EPF Calculator

When Ravi started his career as a software engineer, his monthly payslip showed a small deduction for 'PF'. Like many young professionals, he barely gave it a second thought. It was just a mandatory saving he couldn't touch, so he focused on other investments like stocks and mutual funds. For nearly 15 years, he switched jobs, got promotions, and his salary grew, but the EPF remained a background detail, a silent, growing fund he never actively tracked.

One day, at age 40, while planning for his children's higher education, he stumbled upon an EPF calculator. Out of sheer curiosity, he entered his initial salary, his current age, and estimated his salary growth over the years. When he hit 'calculate', he was stunned. The number on the screen was far bigger than he had ever imagined. The small, 'ignored' monthly contributions from both him and his employers, combined with the magic of tax-free compounding, had grown into a massive corpus. It was more than enough to fund his daughter's dream of studying abroad, a goal he thought was still years away from being achievable.

The surprise wasn't just the amount; it was the realization that the most powerful wealth creation tool he had was the one he paid the least attention to. That day, Ravi understood that EPF wasn't just a deduction; it was a disciplined, powerful, and risk-free foundation for his family's biggest dreams. He even decided to increase his contribution through VPF (Voluntary Provident Fund) to maximize this incredible benefit. The calculator didn't just show him a number; it revealed a surprising financial security he never knew he had.