EPF Calculator

Employees' Provident Fund balance at retirement from your basic salary, salary growth and the current EPF rate.

8.25% for FY 2024-25, declared by EPFO each year.
EPF at retirement
—
Your contributions—
Employer's EPF share—
Interest earned—

How to use the EPF calculator

  1. Enter monthly basic + DA, current age, retirement age, yearly salary increase, ePF interest rate and current EPF balance.
  2. Read the ePF at retirement at the top of the result, with your contributions, employer's EPF share, interest earned underneath. It updates as you type.
  3. Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.

About this tool

You contribute 12% of basic + DA. Your employer also pays 12%, but 8.33% (on wages up to ₹15,000) goes to the pension scheme (EPS), so only the rest reaches your EPF.

Worked example

With monthly basic + da of ₹30,000, current age of 28, retirement age of 58, yearly salary increase of 7%, epf interest rate of 8.25% and current epf balance of ₹2,00,000:

EPF at retirement₹2,32,12,213
Your contributions₹40,80,706
Employer's EPF share₹36,30,886
Interest earned₹1,53,00,621

Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem

Questions people ask

How much of the employer's 12% goes to EPF?

3.67% of basic goes to EPF and 8.33% of up to ₹15,000 (max ₹1,250 a month) goes to EPS. Above that wage, the excess goes to EPF.

Is EPF interest tax-free?

Yes, unless your own contribution exceeds ₹2.5 lakh a year (₹5 lakh if the employer doesn't contribute); interest on the excess is taxable.