EPF calculator

Your provident fund balance at retirement.

EPF corpus at 58

₹1,59,69,221

₹1.6 crore

after 28 years of contributions

Your contributions: ₹42,04,986
Employer's EPF share (3.67%): ₹12,86,025
Interest earned: ₹1,04,78,210
Monthly into EPF today: ₹7,835

Of your employer's 12%, 8.33% goes to the Employees' Pension Scheme and only 3.67% reaches your EPF account, which is why it is lower than your own contribution.

Contributions₹54,91,011
Interest₹1,04,78,210

EPF balance by age

What this calculates

The Employees' Provident Fund builds a retirement corpus from your salary. You contribute 12% of basic + DA; of your employer's 12%, 3.67% goes to EPF and 8.33% to the pension scheme.

How it's calculated

Monthly EPF credit = basic × (your % + 3.67%)

Interest accrues monthly at rate ÷ 12 on the running balance, credited yearly

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

8.25% a year, as declared by EPFO for FY 2024-25. It is reviewed every year.

Interest on employee contributions above ₹2.5 lakh a year is taxable. Below that, it is tax-free.

EPF calculator

What this calculates

How it's calculated

Questions about this tool

What is the current EPF rate?

Is EPF interest taxable?

EPF calculator

What this calculates

How it's calculated

Questions about this tool

What is the current EPF rate?

Is EPF interest taxable?