EPF Calculator
Project your EPF (Employees' Provident Fund) corpus at retirement based on your current basic salary, expected annual increments, and the current EPFO interest rate.
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- Works on all devices
Your result
₹1,11,70,373.37
EPF corpus at retirement
AI explanation
Formula
Month-by-month compounding of employee (12% of basic) + employer EPF portion (12% of basic minus EPS, capped at the ₹15,000 wage ceiling) at the current EPF interest rateWorked example
₹25,000 basic, age 30 to 58, 5% annual increase
| Field | Value |
|---|---|
| Current basic salary + DA (monthly) | 25000 |
| Current age | 30 |
| Retirement age | 58 |
| Expected annual salary increase | 5 |
| EPF corpus at retirement | 11170373.37 |
| Total employee contribution | 2102492.98 |
| Total employer contribution (EPF portion) | 1682660.98 |
Assumptions
- Employee contributes 12% of basic + DA, fully credited to EPF.
- Employer's 12% is split — up to 8.33% of basic (capped at the ₹15,000/month wage ceiling, i.e. max ₹1,250/month) goes to EPS (pension scheme, excluded from this EPF corpus); the rest goes to EPF.
- EPF interest rate used is 8.25% p.a. (FY 2025-26, the most recently notified rate) — EPFO revises this annually, so actual future returns will differ.
- Basic salary is assumed to increase once per year by the entered percentage.
Frequently asked questions
What is the current EPF interest rate?
8.25% per annum for FY 2025-26, as notified by EPFO — this rate is reviewed and can change each financial year.
Why is my employer's EPF contribution less than my own?
Both you and your employer contribute 12% of basic salary, but part of the employer's share (8.33%, capped at ₹1,250/month) goes to the separate Employees' Pension Scheme (EPS), not to your EPF corpus.
Can I withdraw my EPF before retirement?
Partial withdrawals are allowed for specific reasons (home purchase, medical emergencies, education, marriage) under EPFO rules, and full withdrawal is allowed after 2 months of unemployment or at retirement.
Related calculators
Sources
- EPFO — EPF Scheme, 1952 — Employees' Provident Fund Organisation. Effective 01-09-2014, reviewed 12-09-2026.
- EPFO interest rate notification for FY 2025-26 (8.25%) — Employees' Provident Fund Organisation. Effective 01-03-2026, reviewed 12-09-2026.
This is a projection based on a constant assumed interest rate and salary growth rate, both of which will vary in reality. The EPF interest rate is revised annually by EPFO and is not guaranteed to remain at 8.25%.
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