Provident Fund Calculator: How Much You Get at Maturity
Depositing ৳5,000 a month with an equal ৳5,000 from your employer at 8% for 5 years means ৳6,00,000 deposited and ৳7,34,769 at maturity (interest ৳1,34,769). Enter your own deposit, match and term below.
৳
= 5 thousand taka
Employer contribution
= 60 months
Tenure unit
%
Maturity value
৳7,34,769
Deposits ৳6,00,000 + interest ৳1,34,769
Total monthly deposit (you + employer)
৳10,000
Total months
60 months
Annual rate
8%
Total deposited
৳6,00,000
Total interest
৳1,34,769
Maturity value
৳7,34,769
Depositing ৳5,000 a month (৳10,000 a month with the employer share) at 8% for 5 years gives ৳7,34,769 at maturity (deposits ৳6,00,000, interest ৳1,34,769).
Enter your own monthly deposit (e.g. 5000 or ‘5 thousand’).
Choose whether the employer matches it equally — a match doubles the monthly deposit.
Enter the term in years or months.
Enter the fund's declared annual interest rate.
Maturity value, total deposits and interest update instantly.
How the provident fund is calculated
Total monthly deposit C = your deposit × 2 (when the employer matches equally); otherwise C = your deposit. With monthly compounding the maturity value is:
Maturity = C × [((1 + i)ⁿ − 1) ÷ i]
where i is the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months (years × 12). At a zero rate, maturity equals total deposits.
Examples
Your monthly deposit
Employer
Rate
Term
Deposited
Maturity
Interest
৳5,000
Matches
8%
5 years
৳6,00,000
৳7,34,769
৳1,34,769
৳5,000
None
8%
5 years
৳3,00,000
৳3,67,384
৳67,384
৳5,000
Matches
10%
3 years
৳3,60,000
৳4,17,818
৳57,818
৳10,000
Matches
8%
10 years
৳24,00,000
৳36,58,921
৳12,58,921
What to know in Bangladesh
You enter the rate: no rate is assumed — use the rate your fund declares.
Term in years or months: 5 years (60 months) is the typical example; check your fund’s term in its policy.
Reconcile the statement: match total deposits against the yearly fund statement and tell HR about any mismatch.
More: employer match and GPF vs CPF
An equal employer match sends twice your deposit into the fund every month, so the maturity figure is roughly double too — compare the first two rows above. GPF is generally for government employees and CPF for private or autonomous-body staff; deposits grow by the same formula in both. Rules on job changes, early withdrawal and tax differ by organisation, so check your own policy before deciding.
Frequently asked questions
What does an equal employer contribution mean?
Many employers add the same amount you contribute from your salary to the provident fund. So if you deposit ৳5,000, the fund receives ৳10,000 a month. Choose ‘Matches equally’ here to double the monthly deposit, or ‘None’ for only your share.
What is the difference between GPF and CPF?
GPF (General Provident Fund) is generally for government employees and CPF (Contributory Provident Fund) for private or autonomous-body staff — in both, monthly deposits grow with interest by the same rule. Check your employer's policy for which one applies to you.
Where do I find the interest rate?
You enter the rate yourself — no rate is assumed. Use the rate declared in the fund's annual statement, your pay slip or the employer's notice.
What happens if I leave the job or withdraw early?
That depends on the employer or fund policy — there may be conditions on the employer's share based on length of service. Check your organisation's policy or HR before withdrawing.
Is tax deducted in this calculation?
No. The calculator shows the pre-tax maturity figure, split into deposits and interest. Whether any tax or relief applies to you depends on the rules in force — check the policy or an adviser.
Do I earn more if I deposit at the start of the month?
Slightly. This calculation assumes end-of-month deposits. Start-of-month deposits would earn one extra month of interest per instalment, but the difference in the total is small.