Provident Fund Balance Calculator

Work out provident fund balance instantly with clear inputs, formula shown and shareable results.

About Provident Fund Balance Calculator

Provident fund contributions are a fixed share of basic pay from both employee and employer, credited with interest each year. Because contributions run for decades at a guaranteed rate, interest typically ends up larger than the contributions themselves.

Formula

PF accumulation

Balance = contribution × [((1+r)^n - 1)/r] × (1+r)

r: Monthly interest rate

Worked example

With the default values below, Provident Fund Balance Calculator returns Provident Fund Balance of $14,362,536.56. Change any input above and every figure here is recalculated in your browser.

Inputs used

Monthly Basic Salaryminimum 0: 60,000
Combined Contribution Rateaccepts 1–40 %: 24 %
Annual Interest Rateaccepts 0–100 %: 8.25 %
Years Of Contributionaccepts 1–40: 25

Results

Provident Fund Balance: $14,362,536.56
Total Contributions: $4,320,000.00
Interest Earned: $10,042,536.56
Monthly Contribution: $14,400.00

Step by step

1Values used
2PF accumulation
3Provident Fund Balance= 14,362,536.56
4Total Contributions= 4,320,000.00
5Interest Earned= 10,042,536.56
6Monthly Contribution= 14,400.00

Assumptions and limits

The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax or fees or charges into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

Does the whole employer share go to the fund?

In many schemes part is diverted to a pension component, so the balance-building share is smaller than the headline rate.

Is the interest taxable?

Usually exempt within prescribed contribution limits; contributions above the limit can attract tax on the interest.