All Financial Calculators
Free, fast, and 100% private calculation engines built precisely according to official Government of India, EPFO, Income Tax, and RBI statutory formulas.
Retirement & Pension Calculators
Government-backed provident funds, pensions, and statutory employment exit payouts.
EPF Calculator
Calculate Employees' Provident Fund maturity corpus, monthly interest, and EPS pension split.
PPF Calculator
Calculate 15-year Public Provident Fund maturity with 100% tax-free compounding under EEE status.
NPS Calculator
Estimate National Pension System corpus, 60% tax-free lump sum, and lifelong pension annuity.
Gratuity Calculator
Compute statutory gratuity payout using official 15/26 formula with ₹20 Lakh tax exemption ceiling.
VPF Calculator
Contribute up to 100% of basic pay into your EPFO account to earn guaranteed 8.25% compounding.
Atal Pension Yojana (APY)
Determine monthly contributions required to receive guaranteed lifelong pension of ₹1,000 to ₹5,000.
Mutual Funds & Wealth Creation
Disciplined equity compounding, lumpsum projections, and wealth multiplier tools.
SIP Calculator
Calculate future maturity wealth from monthly mutual fund systematic investment plans.
Step-Up SIP Calculator
See how increasing your monthly SIP by 5% to 15% each year drastically supercharges your corpus.
Lumpsum Calculator
Calculate maturity values on one-time lump-sum equity or hybrid mutual fund investments.
Banking & Fixed Income Deposits
Guaranteed capital protection, bank fixed deposits, and government small savings.
FD Calculator
Estimate fixed deposit maturity value, interest payout, and senior citizen bonus rates.
Recurring Deposit (RD)
Calculate monthly recurring deposit maturity value and interest across banks and India Post.
SCSS Calculator
Calculate quarterly interest income for seniors aged 60+ under Government Senior Citizen Savings Scheme.
Sukanya Samriddhi (SSY)
Calculate 100% tax-free maturity corpus for your daughter's higher education and marriage.
Salary & Tax Planning Tools
Take-home pay, HRA exemptions, and statutory payroll deductions for Indian employees.
In-Hand Salary Calculator
Calculate monthly in-hand salary from CTC after employee PF, standard deduction, and new tax regime.
HRA Calculator
Calculate Section 10(13A) HRA tax exemption and taxable rent balance under Metro & Non-Metro rules.
Frequently Asked Questions
Are all calculators on pfcalculator.in free?
Yes. Every calculator is free to use, needs no sign-up and runs in your browser, so the numbers you type are not sent to any server.
Which calculator should I use to plan my retirement?
Start with the EPF calculator if you are salaried, then add the NPS, PPF and SIP calculators to see how much more you may need. Comparing them shows the gap between your goal and your current savings.
How accurate are the results?
The formulas follow the rules of each scheme and the interest rates notified for the current period. Results are estimates; your passbook, bank or fund statement is the final record.
Where do the interest rates come from?
EPF rates come from EPFO, and PPF, SSY and SCSS rates from the Ministry of Finance, which revises the small savings rates every quarter. We keep all rates in one place and update them when they change.
Can I download or share my calculation?
Yes. Every calculator has a Preview & Save button that opens an A4 PDF report. You can save it on your device or share it from the preview.
What is the difference between EPF, VPF and PPF?
EPF is the compulsory provident fund for salaried employees, VPF is extra voluntary contribution to the same EPF account, and PPF is a separate 15-year government savings scheme open to everyone.