GPF Calculator + Excel Sheet
Project your General Provident Fund corpus growth year by year. Download as an Excel sheet with all your inputs.
Inputs
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Projection
| Year | Opening | Contribution | Interest | Closing |
|---|---|---|---|---|
| 1 | ₹5,00,000 | ₹96,000 | ₹38,908 | ₹6,34,908 |
| 2 | ₹6,34,908 | ₹96,000 | ₹48,486 | ₹7,79,394 |
| 3 | ₹7,79,394 | ₹96,000 | ₹58,745 | ₹9,34,139 |
| 4 | ₹9,34,139 | ₹96,000 | ₹69,732 | ₹10,99,871 |
| 5 | ₹10,99,871 | ₹96,000 | ₹81,499 | ₹12,77,370 |
| 6 | ₹12,77,370 | ₹96,000 | ₹94,101 | ₹14,67,472 |
| 7 | ₹14,67,472 | ₹96,000 | ₹1,07,598 | ₹16,71,070 |
| 8 | ₹16,71,070 | ₹96,000 | ₹1,22,054 | ₹18,89,124 |
| 9 | ₹18,89,124 | ₹96,000 | ₹1,37,536 | ₹21,22,660 |
| 10 | ₹21,22,660 | ₹96,000 | ₹1,54,117 | ₹23,72,777 |
| 11 | ₹23,72,777 | ₹96,000 | ₹1,71,875 | ₹26,40,652 |
| 12 | ₹26,40,652 | ₹96,000 | ₹1,90,894 | ₹29,27,546 |
| 13 | ₹29,27,546 | ₹96,000 | ₹2,11,264 | ₹32,34,810 |
| 14 | ₹32,34,810 | ₹96,000 | ₹2,33,079 | ₹35,63,889 |
| 15 | ₹35,63,889 | ₹96,000 | ₹2,56,444 | ₹39,16,333 |
What is GPF and how is it calculated?
The General Provident Fund (GPF) is a savings scheme for Central Government employees who joined service before 1 January 2004 — the cut-off between the Old Pension Scheme and the National Pension System. GPF combines mandatory monthly contributions (minimum 6% of basic pay) with government-set interest (currently 7.1% p.a.) and full EEE tax status. Interest is calculated on the lowest monthly balance between the 5th and the last day of each month and credited annually on 31 March.
GPF is not the same as the NPS that post-2004 entrants are covered under. If you joined service before 2004 and your basic pay grows over time, your GPF corpus is among the largest tax-free retirement assets you will accumulate. Combine it with your projected gratuity and commuted pension for a complete retirement picture.
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✓ Last updated: 2026-05-17 · GPF rate notified by DEA / MoF quarterly.