EPF Calculator

Calculate your Employee Provident Fund corpus at retirement with year-by-year projections.

EPF interest rate is set by the EPFO and may change yearly. Current rate: 8.25% p.a. (FY 2024-25). Employer contribution of 8.33% goes to EPS (pension), only 3.67% goes to EPF.

Employee Details

Basic Salary + DA (Monthly)

₹

₹5,000₹5,00,000

Current Age

years

18 years57 years

Retirement Age

years

55 years60 years

Current EPF Balance

₹

₹0₹5,00,00,000

Interest Rate (p.a.)

5%12%

Monthly Contributions

Your contribution (12%)

₹6,000

Employer to EPF (3.67%)

₹1,835

Total monthly to EPF

₹7,835

Adjust for Inflation

Show value in today's money

EPF Corpus at 58

₹1,03,21,627

Your Contribution₹20,16,000

Employer Contribution₹6,16,560

Interest Earned₹76,89,067

Year-by-Year Breakdown

Year	Age	Your Contribution	Employer	Interest	Balance
1	31	₹72,000	₹22,020	₹4,309	₹98,329
2	32	₹1,44,000	₹44,040	₹17,045	₹2,05,085
3	33	₹2,16,000	₹66,060	₹38,928	₹3,20,988
4	34	₹2,88,000	₹88,080	₹70,743	₹4,46,823
5	35	₹3,60,000	₹1,10,100	₹1,13,342	₹5,83,442

What is EPF?

EPF (Employee Provident Fund) is a retirement savings scheme for salaried employees in India. It is mandatory for organizations with 20+ employees. Both you and your employer contribute to this fund, which grows with guaranteed interest, creating a substantial corpus by the time you retire.

Contribution Breakdown

Employee Contribution: 12% of Basic + DA goes to EPF
Employer Contribution: 12% split as 3.67% to EPF + 8.33% to EPS (pension scheme)
Interest Rate: 8.25% p.a. (FY 2024-25), compounded monthly
Tax Benefit: Contributions up to ₹1.5 lakh qualify for Section 80C deduction

Key Features

Retirement Age: 58 years (can withdraw at 55 with conditions)
Tax Treatment: EEE (Exempt-Exempt-Exempt) for contributions within limits
Partial Withdrawal: Allowed for housing, medical, education after certain years
Portability: EPF account moves with you when you change jobs via UAN

EPF vs EPS

Your employer's 12% contribution is split between EPF (3.67%) and EPS (8.33%). EPS (Employee Pension Scheme) provides a monthly pension after retirement, calculated based on your pensionable salary and service years. This calculator focuses only on the EPF component which accumulates as a lump sum corpus.

Why EPF Matters

EPF is one of the safest long-term investments with guaranteed returns. The power of compounding over 25-30 years can turn modest monthly contributions into a substantial retirement corpus. The employer match effectively gives you a 15.67% total contribution rate on your basic salary, making it an excellent wealth-building tool.

How EPF Calculator Works

This calculator projects your EPF corpus at retirement by applying monthly compounding interest on both employee and employer contributions. Enter your basic salary, current age, existing EPF balance, and expected interest rate to see your projected retirement corpus.

Formula used:

Monthly Balance = (Previous Balance + Monthly Contribution) × (1 + r/12)

Where r = annual interest rate. Interest is compounded monthly on the running balance.

Note: This calculator shows only the EPF component (employee 12% + employer 3.67%). The employer's EPS contribution (8.33%) is not included as it goes toward pension benefits.

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What is EPF?

Contribution Breakdown

Employee Contribution: 12% of Basic + DA goes to EPF
Employer Contribution: 12% split as 3.67% to EPF + 8.33% to EPS (pension scheme)
Interest Rate: 8.25% p.a. (FY 2024-25), compounded monthly
Tax Benefit: Contributions up to ₹1.5 lakh qualify for Section 80C deduction

Key Features

Retirement Age: 58 years (can withdraw at 55 with conditions)
Tax Treatment: EEE (Exempt-Exempt-Exempt) for contributions within limits
Partial Withdrawal: Allowed for housing, medical, education after certain years
Portability: EPF account moves with you when you change jobs via UAN

EPF Calculator

Year-by-Year Breakdown

What is EPF?

Contribution Breakdown

Key Features

EPF vs EPS

Why EPF Matters

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