EPF Calculator

Estimate Employee Provident Fund contributions, interest and retirement corpus using a constant salary and rate scenario.

Uses the latest 8.25% CBT recommendation for FY 2025-26 as a constant planning assumption. Actual credited and future rates follow government notification.

Total Maturity Value

₹

Total Contribution

₹

Interest Earned

₹

* Note: This calculates the EPF corpus only. It assumes the remaining 8.33% of the employer's contribution is routed to the Employee Pension Scheme (EPS) as per standard norms.

How the EPF estimate is calculated

The calculator derives monthly employee and employer EPF contributions from Basic Salary plus DA, adds them to the balance each month, estimates interest using the annual rate divided by 12, and credits accumulated interest after each completed year.

Monthly contribution

Basic plus DA multiplied by the entered employee and employer EPF percentages.

Projection period

Retirement age minus current age, with the same salary assumed throughout.

Interest

A constant annual rate is used even though actual EPF rates are declared for individual financial years.

This model excludes salary growth, voluntary PF, transfers, withdrawals, contribution gaps, pension benefits and changes in wage ceilings or EPF/EPS allocation.

Worked EPF example

Using the page defaults—₹50,000 monthly Basic plus DA, 12% employee EPF, 3.67% employer EPF, age 25 to 58 and a constant 8.25% rate—the calculator estimates:

Total contribution
₹31,02,660
Estimated interest
₹1,18,95,637
Estimated corpus
₹1,49,98,297

Frequently asked questions

Is 8.25% guaranteed until retirement?

No. 8.25% is used as a constant scenario based on the latest CBT recommendation for FY 2025-26. EPF rates are notified for specific financial years and can change.

Is the employer EPF share always 3.67%?

Not in every case. The split between EPF and EPS can depend on statutory wage limits, membership history and employer treatment. Enter the EPF portion applicable to your case.

Does the estimate include salary increments?

No. Basic plus DA remains constant. A real corpus can differ materially when salary, contributions, rates or employment continuity change.