EPF Calculator
Project your Employee Provident Fund corpus at retirement.
Your inputs
Employee contributes 12% of basic + DA to EPF. Of the employer's matching 12%, 8.33% goes to the EPS pension scheme (capped at ₹15,000 wage base, so max ₹1,250/month) and the remainder goes to EPF — which is a growing share of the employer's 12% as basic salary rises above ₹15,000.
Estimates only. Figures are indicative and do not constitute financial advice.
About the EPF Calculator
Every salaried employee in India has an EPF account quietly growing in the background, and "EPF calculator" is searched by people wanting to know what that'll actually add up to by retirement — since the monthly payslip deduction rarely gives you a sense of the long-term number.
EPF works on a 12% employee contribution plus a matching employer contribution (of which a portion goes to the EPS pension scheme rather than your EPF balance directly), both calculated on your basic salary plus dearness allowance, compounding annually at the government-declared EPF interest rate. This calculator estimates your combined monthly contribution and compounds it over your remaining working years to project your retirement corpus. It's useful for understanding how much of your retirement savings EPF alone will provide, and for seeing how continuing to work a few extra years, or a salary increase that raises your basic pay, changes your final corpus.
How to use this calculator
- Enter your monthly basic salary + DA.
- Enter your current age and expected retirement age.
- Enter the EPF interest rate.
- See your projected corpus at retirement.
Frequently asked questions
›What percentage of salary goes to EPF?
Employees contribute 12% of basic salary + DA, matched by the employer, though part of the employer's share (8.33%, up to a wage ceiling) goes to the EPS pension scheme rather than the EPF account itself.
›Is EPF interest taxable?
EPF interest is tax-free up to a specified annual contribution threshold; interest on contributions above that threshold (currently ₹2.5 lakh/year for most employees) is taxable.
›Can I withdraw my EPF before retirement?
Partial withdrawals are allowed for specific purposes (home purchase, medical emergencies, education, marriage) subject to conditions, and full withdrawal is permitted after 2 months of unemployment or at retirement.
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Read the full guide
PF Calculator: What Your EPF Actually Grows To By Retirement