EPF Calculator
Illustrate how an EPF-only balance could grow under stated wages, contributions, salary growth, and interest assumptions.
Contributions
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Interest
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EPF Corpus
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How the EPF calculator works
Enter your monthly basic + DA, your current and retirement ages, an expected annual hike, and an interest assumption. The model adds the employee EPF contribution and only the employer amount remaining after the EPS diversion. It is not an EPFO passbook calculation.
The quiet powerhouse of retirement
EPF and EPS are distinct parts of the contribution structure. This result shows an EPF-only projection; it does not estimate pension, withdrawals, transfers, tax, or your actual account crediting method.
Methodology and statutory scope
- Method version
epf-projection-fy2025-26-v1- Class
- B / R3
- Jurisdiction
- IN
- Effective rule period
- 2025-04-01 to 2026-03-31 (historical rate reference only)
- Source status
- official sources verified 2026-08-25 by agent source verification at owner direction; constants unchanged; no qualified professional sign-off recorded
- Rounding
- Round each modelled employee, EPS and employer EPF monthly contribution to the nearest rupee; keep balance precision thereafter and round displayed INR only.
- Review trigger
- EPFO contribution, higher-wage option, EPS age/ceiling, annual interest-rate, or calculation-method change
- Rule as of
- 2026-08-25
- Review due
- 2027-03-31
- Rule verification state
- verified
Formula: Ordinary-contribution scenario only. Each month: contributory wages = min(actual wages, ₹15,000); employee EPF = 12% of contributory wages; before age 58, EPS diversion = 8.33% of contributory wages and employer EPF is the balance of its 12%; from age 58, the employer's full 12% goes to EPF. Projected balance compounds using annual assumption ÷ 12.
Educational boundary: General education only; not an EPFO account statement, retirement recommendation, or tax advice.
Included: Ordinary 12% employee and employer contribution on the ₹15,000 statutory wage ceiling; EPS diversion only before age 58; Monthly deposits and a user-entered monthly-equivalent interest assumption
Excluded: Higher-wage joint-option contribution and EPS pension benefit; 10% contribution establishments; voluntary higher contribution, transfer, withdrawal, tax and passbook interest-credit timing
Official sources checked:
- EPFO FAQ: contribution rate and EPS diversion
- EPFO 239th CBT minutes: FY 2025-26 8.25% recommendation
Manifest primary source: EPF wage-ceiling and contribution information note
- A projection, not an EPFO passbook calculation or benefit statement.
- Assumes the ordinary 12% contribution rate; excluded establishments, voluntary higher contributions, EDLI/admin charges, withdrawals and transfers are excluded.
- The 8.25% default is an FY 2025-26 historical reference, not a declared FY 2026-27 rate.
- EPS is excluded from the displayed EPF corpus.
Frequently Asked Questions
How does EPF work?
In the Employees' Provident Fund, you contribute 12% of your basic salary plus dearness allowance each month, and your employer contributes a matching amount (part of which goes to the pension scheme, EPS). The balance earns a government-declared interest rate, compounded annually.
What interest rate does this calculator use?
The rate is a user-entered projection assumption. The default is the EPFO Central Board of Trustees’ FY 2025-26 8.25% recommendation, not a declared rate for FY 2026-27. Check the EPFO rate that applies to your account before relying on any projection.
How much of the employer's contribution goes to EPF?
EPFO says 8.33% of wages, subject to the EPS wage ceiling, is diverted from the employer’s 12% contribution to EPS. This calculator excludes that diversion from the projected EPF balance; it does not estimate the separate EPS pension.
Is EPF withdrawal taxable?
EPF is EEE if you complete 5 years of continuous service — contributions, interest, and withdrawal are tax-free. Withdrawals before 5 years can be taxable. Verify current rules before withdrawing.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.