Calculate your Employee Provident Fund corpus at retirement. Employee 12%, employer 3.67% to EPF, 8.33% to EPS (capped). FY 2025-26 rate 8.25% p.a. with salary increment projection.
Step-by-step guide to get the most from this tool
Set your monthly basic salary and dearness allowance amount.
Enter current age and planned retirement age (up to 60).
Enter your existing EPF balance for accurate projection, or leave at zero for new joiners.
See employee vs employer contributions, interest earned, and year-wise growth chart to retirement.
What makes this tool stand out
3.67% employer EPF, 8.33% EPS capped at ₹1,250/month with excess to EPF.
Line chart showing EPF corpus from current age to retirement.
Monthly interest at 8.25% p.a. with separate contribution totals.
Model annual salary hikes and their impact on corpus.
Current EPFO interest rate and contribution rules.
Balance recalculates instantly as you adjust inputs.
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Quick answers to common questions
Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India. Both employee and employer contribute 12% of basic salary + DA monthly.
EPF interest is declared annually by the EPFO (8.25% for FY 2025-26). Interest is calculated monthly on the running balance and credited annually. Our calculator uses monthly compounding with no interest in the first month of each year.
Employees contribute 12% of basic salary + DA. They can voluntarily contribute more (VPF) up to 100% of basic. Employer also contributes 12% but split between EPF and EPS.
Of the employer 12%: 3.67% goes to EPF account, 8.33% goes to EPS (Employee Pension Scheme), capped at ₹1,250/month. Any excess above the EPS cap is redirected to EPF.
EPF withdrawal is tax-free if you have contributed for 5+ continuous years. Withdrawal before 5 years is taxable. EPF is under EEE category for qualifying withdrawals.
EPS contribution is capped at ₹1,250/month (8.33% of ₹15,000 wage ceiling). Amount above the ceiling that would have gone to EPS is redirected to your EPF account.
EPF is employer-matched and automatic for salaried workers. PPF is voluntary with ₹1.5L annual limit. Both offer tax-free returns. Salaried employees should maximize EPF first.
Yes. Log in to the EPFO unified portal or UMANG app with your UAN to see real-time balance. This calculator provides projections based on your inputs.
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EPF = Σ (Monthly Contributions × Compounding Interest @ 8.25% p.a.)Employee contribution is 12% of (Basic + DA). Employer contributes 3.67% to EPF and 8.33% to EPS (Employee Pension Scheme), capped at ₹1,250/month. Any excess above the EPS cap is redirected to EPF. Interest is calculated monthly on the running balance at the declared EPFO rate (8.25% for FY 2025-26).
| Symbol | Meaning |
|---|---|
| 12% | Employee contribution on Basic + DA |
| 3.67% | Employer contribution to EPF |
| 8.33% | Employer contribution to EPS (pension), capped at ₹1,250/month |