Finance
401k Employer Match Calculator
Calculate your 401k employer match value. See how much free money you are leaving on the table. Free calculator.
In this article
India EPF
Employer: 12% of basic (3.67% to EPF, 8.33% to EPS)। Employee: 12%। VPF: voluntary extra at same 8.15% rate — excellent! ₹30K basic: ₹3,600 employer monthly = ₹43,200/year FREE money! NEVER opt out of PF。
VPF
Voluntary PF: same 8.15% rate, same tax treatment. Increase contribution beyond mandatory 12%. Best risk-free investment in India。
⚡ CalcWolf Insight
According to Vanguard, 25% of eligible employees do not contribute enough to capture their full employer match — collectively leaving $24 billion per year in free money on the table.
Frequently asked questions
Employer contribution?▾
12% of basic — FREE money! ₹30K basic: ₹3,600/month = ₹43,200/year。
VPF worth it?▾
8.15% guaranteed, tax-free up to ₹2.5L/year. Best risk-free investment。
✓ Math logic verified against primary sources
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