Provident Fund Calculators

How EPF Contributions Are Split Between Employee and Employer

Both employee and employer contribute 12% of basic salary plus DA each month, but the employer's contribution doesn't go entirely into the EPF corpus — part of it is diverted to the separate EPS pension scheme.

How EPF Interest Compounds Over a Career

EPF interest is computed monthly on a running balance that itself grows every month from new employee and employer contributions — a month-by-month simulation, not a single compound- interest formula, since the salary (and contribution) rises over the years.

Where Your EPF Contribution Actually Goes: EPF vs EPS

EPF and EPS are two separate schemes funded from the same monthly contribution — EPF builds a lump-sum corpus you withdraw at retirement, while EPS pays a monthly pension for life, and the employer's 12% is what splits between them.

Why EPF Grows With Compound Interest but EPS Doesn't

The same 33-year career produces a real ₹1,65,05,127.04 in EPF interest but only a flat ₹7,071.43 monthly EPS pension that wouldn't change even if the salary used to fund it had been much higher — because the two schemes work on entirely different principles.