EPF · PPF · SSY Calculator India 2024-25

Year-by-year interest tables · Employer EPF breakdown · Tax-free maturity projections

EPF 8.25% p.a.
PPF 7.1% p.a.
SSY 8.2% p.a.
All EEE — Tax-Free EEE

EPF Inputs

EPFO rate FY 2024-25
If account already running
% of Basic+DA extra by employee
Employee Contribution (12%)—
Employer → EPF (3.67% or adjusted)—
Employer → EPS (8.33%, max ₹1,250)—
Total Monthly EPF Credit—
Total Invested (employee share)—
Total Corpus at Maturity—
₹0 EPF Corpus (Employee + Employer EPF contributions + interest)
YearOpeningContributionsInterestClosing
Employer split: Total 12% → 8.33% to EPS (capped at ₹1,250/month on ₹15K ceiling) + 3.67% to EPF. If Basic+DA > ₹15,000, employer EPF = 12% × Basic − ₹1,250.
Tax: EEE — contributions (up to ₹2.5L/yr employee), interest, and maturity all tax-free.

PPF Inputs

Min ₹500, Max ₹1,50,000
15 yrs min, extend in 5-yr blocks
Govt rate Q1 FY 2024-25
Total Invested—
Total Interest Earned—
Maturity Amount—
Effective Annual Return—
₹0 PPF Maturity Amount (fully tax-free)
YearOpeningDepositInterestClosing
PPF interest rule: Interest is calculated on the lowest balance between the 5th and last day of each month. Deposit before the 5th to earn interest for that month.
Tax: EEE — Section 80C deduction on deposits (up to ₹1.5L), interest and maturity fully tax-free.

Sukanya Samriddhi Yojana Inputs

Min ₹250, Max ₹1,50,000
Account allowed up to age 10
Govt rate Q1 FY 2024-25
Deposit Period15 years
Account Matures At Age—
Maturity Year—
Total Invested—
Total Interest Earned—
Maturity Amount—
₹0 SSY Maturity Amount (fully tax-free)
YearChild AgeOpeningDepositInterestClosing
SSY rules: Account can be opened until girl child turns 10. Deposits made for 15 years from account opening. Account matures 21 years from opening (no deposits in years 16–21 but interest continues).
Tax: EEE — Section 80C deduction, interest and maturity fully tax-free. Highest rate among all small savings schemes.

Frequently Asked Questions

What is the EPF interest rate for FY 2024-25?

The EPF interest rate for FY 2024-25 is 8.25% per annum as announced by EPFO. Interest is calculated monthly on running balance but credited to your account at the end of the financial year (March). You can edit the rate in the calculator above to model future scenarios.

How is employer EPF contribution calculated?

Employer contributes 12% of Basic+DA. Of this, 8.33% goes to EPS (Employee Pension Scheme), capped at ₹1,250/month (calculated on ₹15,000 wage ceiling). The remaining amount — 3.67% for basic ≤ ₹15,000, or 12% minus ₹1,250 for higher basic — goes to your EPF account.

Can I withdraw PPF before 15 years?

Partial withdrawal is allowed from Year 7 (up to 50% of balance at end of Year 4 or Year 6, whichever is lower). Full premature closure is allowed from Year 6 only in special circumstances — medical emergency, higher education, change of residency. Otherwise the full 15-year lock-in applies.

What is SSY and who can open it?

Sukanya Samriddhi Yojana is a government savings scheme for girl children. A parent or guardian can open one account per girl child, with a maximum of two accounts per family (three if twins/triplets). The account must be opened before the girl turns 10. It offers 8.2% interest — the highest of all small savings schemes — and is fully EEE tax-free.

What does EEE mean in tax terms?

EEE stands for Exempt-Exempt-Exempt: (1) contribution qualifies for Section 80C deduction (saving tax on investment), (2) interest earned is tax-free each year, (3) maturity amount is completely tax-free. EPF, PPF, and SSY all enjoy EEE status, making them the most tax-efficient savings instruments available.

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