EPF Calculator

See how much your Employees’ Provident Fund (EPF) will grow to by the time you retire.

Result

EPF balance at retirement

Summary

₹a month
years
years
₹
% a year
% of basic + DA
% a year

Year by year

Growth over time

How to use the EPF calculator

  1. Enter your monthly basic salary plus dearness allowance – EPF is worked out on this, not on your full CTC.
  2. Enter your age, the age you will retire (usually 58) and your current EPF balance from the EPFO passbook.
  3. Set your expected yearly salary increase. The interest rate starts at 8.25%, the rate declared for FY 2025-26.

How EPF contributions work

You pay 12% of basic + DA every month. Your employer also pays 12%, but 8.33% of it goes to the Employees’ Pension Scheme (EPS) – on wages up to ₹15,000, so at most ₹1,250 a month – and only the rest goes into your EPF account.

Basic + DAYou (12%)Employer to EPFEmployer to EPS
₹15,000₹1,800₹551₹1,250
₹25,000₹3,000₹1,751₹1,250
₹50,000₹6,000₹4,751₹1,250
₹1,00,000₹12,000₹10,751₹1,250

Interest is worked out every month on the running balance and added once a year. EPF interest is tax-free as long as your own contribution stays under ₹2.5 lakh a year.

Example: basic + DA ₹25,000, age 30, 5% raises

Retiring at 58 at 8.25%, the EPF balance grows to about ₹1,06,71,452.

Want to invest more? Use the PPF calculator or the NPS calculator.

Frequently asked questions

What is the EPF interest rate?

8.25% a year for FY 2025-26, declared by the EPFO and approved by the government. It is reviewed every year.

How much does my employer put into EPF?

12% of basic + DA, but 8.33% (up to ₹1,250 a month) goes to the pension scheme (EPS). The remaining 3.67% – or more if your basic is above ₹15,000 – goes into your EPF account.

Can I contribute more than 12%?

Yes, through Voluntary Provident Fund (VPF) – up to 100% of basic + DA. It earns the same interest. Enter a higher percentage in “Your Contribution”.

Is EPF interest taxable?

Interest on your own contributions above ₹2.5 lakh a year is taxable. The maturity amount is tax-free after 5 years of continuous service.

When can I withdraw my EPF?

In full at retirement (58) or after two months without a job. Partial withdrawals are allowed for a house, illness, marriage or education.