EPF Calculator

Project your EPF corpus at retirement — employee + employer contributions, compounded year by year.

Your EPF details

EPF grows on Basic + DA. The 8.33% of the employer share that funds EPS pension is excluded from the corpus.

Current age

Retirement age

Current Basic + DA (₹ / month)

₹

Employee contribution (% of Basic)

Annual increment (%)

Current EPF balance

₹

Interest rate (%)

Your EPF at retirement

EPF corpus at retirement—

Your total contribution —
Employer contribution (EPF part) —
Total interest earned —
Maturity corpus —

Estimate only. Employee contributes the chosen % of Basic + DA; of the employer’s 12%, only 3.67% goes to EPF and the remaining 8.33% (capped on ₹15,000) funds the EPS pension, which is excluded here. Interest compounds annually at the rate shown — the current EPFO rate is revised each year, so actual returns will differ.

How it works

How the EPF corpus builds up

The Employees’ Provident Fund is a retirement scheme where you and your employer both contribute 12% of Basic + Dearness Allowance every month. Your entire 12% goes to the EPF account, but only 3.67% of the employer’s 12% is credited to EPF — the other 8.33% (calculated on a wage ceiling of ₹15,000) is diverted to the Employees’ Pension Scheme and does not add to your withdrawable provident-fund balance. The balance earns interest at the rate the EPFO declares each year (currently around 8.25%), compounded annually. Because your salary usually rises over time, the monthly contribution grows with each increment, and the long compounding period turns modest monthly savings into a substantial corpus. This tool projects that growth year by year from your current age to retirement, using your current balance as the starting point, and separates how much came from your own contributions, the employer’s EPF share, and accumulated interest.

FAQ

EPF questions, answered

How much does the employer contribute to EPF?

The employer contributes 12% of Basic + DA, but only 3.67% lands in your EPF account. The other 8.33% (calculated on a ₹15,000 wage ceiling) goes to the EPS pension scheme, which is why this calculator counts only the 3.67% EPF share toward your corpus.

What is the current EPF interest rate?

The EPFO declares the rate every year; it is currently around 8.25%. Interest is compounded and credited annually. Because the rate is revised each year, the tool lets you change it, and your actual corpus will depend on the rates declared over your working life.

Is the EPF corpus tax-free?

EPF withdrawals are tax-free if you have completed five years of continuous service. Interest on employee contributions above ₹2.5 lakh a year is taxable. For most salaried employees who stay invested to retirement, the maturity amount is exempt.

Why is EPS pension excluded from the corpus?

The 8.33% of the employer share that goes to the Employees’ Pension Scheme buys you a monthly pension after retirement rather than a lump sum, so it is not part of the withdrawable provident-fund balance. This calculator therefore shows the EPF corpus only.

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