EPF Calculator
Calculate your Employee Provident Fund (EPF) corpus at retirement — with employer and employee contributions, interest, and EPS breakdown.
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How to use this calculator
- 1
Enter your current Basic Salary + DA — EPF contributions are calculated on this, not total CTC.
- 2
Set your expected annual salary growth rate (typical: 5–10%).
- 3
Enter years remaining until retirement (EPF withdrawable at 58).
- 4
Add your current EPF balance from your EPFO passbook or UAN portal — it compounds from the start.
Frequently asked questions
What percentage of salary goes to EPF?
Both employee and employer contribute 12% of Basic Salary + DA each. The employer's 12% is split: 3.67% goes to EPF and 8.33% goes to EPS (Employee Pension Scheme), capped at ₹15,000 wage ceiling.
What is the current EPF interest rate?
The EPFO declared 8.25% interest for FY 2023-24. The rate is declared by the EPFO Central Board annually and approved by the Finance Ministry.
Can I withdraw EPF before retirement?
Full withdrawal is allowed only on retirement (age 58+) or after 2 months of unemployment. Partial withdrawals are allowed for specific purposes — home purchase, marriage, medical emergencies, and education — with conditions on service years.
What happens to EPS at retirement?
EPS provides a monthly pension, not a lump sum. The formula is: (Pensionable Salary × Pensionable Service) / 70. Pensionable salary is capped at ₹15,000. Maximum EPS pension is ₹7,500/month.
EPF Calculator — Your retirement corpus from provident fund
How EPF works
Every month, 12% of your Basic Salary + DA is deducted and deposited into your EPF account. Your employer matches this with another 12%, of which 3.67% goes to your EPF account and 8.33% (capped at ₹15,000 wage) goes to EPS. The EPF balance earns interest at the rate declared annually by EPFO.
Checking your EPF balance
Check your EPF balance on the EPFO member portal (unifiedportal-mem.epfindia.gov.in) using your UAN (Universal Account Number), on the UMANG app, or by giving a missed call to 011-22901406 from your registered mobile number.
Voluntary PF (VPF)
Employees can contribute above the mandatory 12% through Voluntary Provident Fund (VPF). VPF earns the same EPF interest rate, is covered under Section 80C (up to ₹1.5L), and the interest is tax-free up to ₹2.5L annual contribution. It's one of the best debt investment options available to salaried employees.
Learn more from an authoritative source:
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →