EPF Calculator - Employee Provident Fund

Your details

Your monthly basic salary plus Dearness Allowance (DA). EPF contributions are calculated on this figure, not on your gross salary.
INR
Your current age. Must be below your chosen retirement age.
years
The standard EPFO retirement age is 58. You can adjust between 45 and 60 to model early retirement or extended service.
years
Expected yearly percentage increase in your basic salary. Use 0 for a flat salary scenario.
%
The mandatory employee contribution is 12% of Basic + DA. You can voluntarily contribute more (VPF) up to 20%, but the employer share stays fixed at 12%.
%
EPFO declared 8.25% for FY 2025-26. Interest is calculated monthly on the running balance but credited to the account once a year on 31 March.
% p.a.
If you already have an EPF account with a balance, enter it here. Leave as 0 if you are just starting.
INR
EPF Corpus at RetirementStrong corpus
₹9,581,532

Total EPF balance at your chosen retirement age

Total Employee Contribution₹2,522,992
Total Employer's EPF Contribution₹771,615
Total Interest Earned₹6,286,926
EPS Contribution (employer, not in corpus)₹420,000
Your Monthly Contribution₹3,600
Employer's Monthly EPF Share₹1,101
Years to Retirement28years
Employee₹2,522,992
Employer EPF₹771,615
Interest₹6,286,926
Total Corpus₹9,581,532

Your EPF corpus at retirement will be approximately ₹95,81,532.

  • Over 28 years you contribute ₹25,22,992 and your employer adds ₹7,71,615 to your EPF account.
  • Compound interest at 8.25% p.a. adds ₹62,86,926, which is 65.6% of your total corpus. The longer you stay invested, the larger this share grows.
  • EPF withdrawals after 5 years of continuous service are fully tax-free, making the effective yield even higher than the headline interest rate suggests.

Next stepIf your corpus looks smaller than expected, consider making Voluntary Provident Fund (VPF) contributions - they earn the same interest rate as EPF and the additional deduction is eligible under Section 80C up to Rs 1.5 lakh per year.

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