EPF Calculator
Calculate Employee Provident Fund contributions and maturity.
Salary & EPF Details
₹
%
Statutory rate is 12% of Basic + DA (max ₹15,000 wage ceiling for EPS).
Yrs
%
Monthly Contribution Breakdown
| Component | Employee | Employer |
|---|---|---|
| EPF (Pension Fund) | — | — |
| EPS (Pension Scheme) | — | — |
| Total Monthly | — | — |
Estimated EPF Corpus
₹0
Your Monthly Deduction—
Employer EPF Share—
Total Monthly Contribution—
Total Invested—
Interest Earned—
The Finzorio EPF (Employees Provident Fund) Calculator estimates long-term retirement accumulation, employee & employer contributions, and annual compound interest declared by the EPFO.
Understanding EPF Contribution Structure
The Employees Provident Fund (EPF) is a statutory retirement benefit managed by the EPFO. The employee contributes 12% of Basic Pay + DA. The employer matches 12%, which is split into 3.67% to EPF and 8.33% to EPS (Employees Pension Scheme).
EPF Contribution Split Matrix
Monthly allocation of employee and employer contributions:
| Contribution Component | Share % of Basic Pay | Target Fund Account | Interest Credited |
|---|---|---|---|
| Employee Contribution | 12% of Basic Pay | EPF Account | Annual EPFO Interest Rate (8.25% p.a.) |
| Employer Share 1 | 3.67% of Basic Pay | EPF Account | Annual EPFO Interest Rate (8.25% p.a.) |
| Employer Share 2 | 8.33% of Basic Pay (Capped at ₹1,250) | EPS Pension Account | No interest (Funds monthly pension after age 58) |
Worked Example: 25-Year EPF Wealth Accumulation
Employee Profile: Basic Salary = ₹40,000/mo, 5% annual salary increment, EPFO interest rate = 8.25% for 25 years.
• Total Accumulated EPF Corpus at Retirement = ₹84,52,000 (₹84.5 Lakh)
• Fully tax-free payout on completion of 5 years continuous service.
Frequently Asked Questions
Yes. Interest earned on employee EPF contributions exceeding ₹2,50,000 in a financial year is taxable as income from other sources.