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—
Plan your long-term retirement corpus with this EPF calculator. It estimates annual contributions, interest accrual, and maturity value for salaried employees in India.
EPF basics
Both employee and employer contribute (typically 12% of basic + DA each), and EPF interest is declared annually by EPFO.
EPF contribution formula
Monthly EPF (employee) = (Basic + DA) x 12%; Employer contribution is split between EPF and EPS as per rules
Corpus grows through monthly contributions and annual compounding.
Why EPF matters
- Disciplined retirement savings
- Tax-efficient under current rules
- Relatively stable fixed-income growth
- Useful base corpus for long-term planning
How to estimate EPF corpus
- Enter current basic salary and annual increment
- Set employee and employer contribution assumptions
- Enter expected EPF interest rate
- Choose investment tenure
- Review maturity value and yearly growth table
EPF corpus example
Scenario: Basic salary Rs 40,000 per month, employee EPF 12%, employer EPF share assumed similarly, interest 8.15%, tenure 20 years.
Inputs
- Monthly employee EPF: Rs 4,800
- Monthly employer EPF share considered: Rs 4,800
Calculation
- Total monthly contribution: Rs 9,600
- Annual contribution: Rs 1,15,200
- Compounded annually with salary growth assumptions
Result: Corpus can grow into multiple lakhs or crores depending on increments and continuity.
Frequently Asked Questions
No, EPFO announces the interest rate each financial year.
Partial withdrawals are allowed for specific purposes and conditions.
Transfer your UAN-linked account to preserve compounding continuity.
Only if covered under India EPF rules; otherwise use local retirement tools.