EPF / PF Calculator
Estimate your Employees’ Provident Fund balance at retirement from your basic salary and contributions.
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Statutory 12%; more if you opt for VPF.Estimated EPF balance at retirement
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- Your contributions –
- Employer contributions to EPF –
- Interest earned –
- Employer share to pension (EPS) –
- Monthly contribution now (you + employer EPF) –
Year-by-year projection
| Age | Basic / month | Contributions | Interest | Year-end balance |
|---|
Estimate only. Interest is credited annually at the rate entered; actual rates are declared each year by EPFO.
How to use the EPF / PF Calculator
- Enter your monthly basic salary plus dearness allowance, current age and retirement age.
- Adjust the expected annual salary increase and the EPF interest rate if needed.
- Enter any existing EPF balance.
- Read the projected corpus and the year-by-year table.
Assumptions
- Employee contribution: 12% of basic + DA.
- Employer contribution: 12% of basic + DA, of which 8.33% (on wages up to ₹15,000 a month, so at most ₹1,250) goes to the Employees’ Pension Scheme and the rest, 3.67% or more, goes to EPF. Pension contributions are not included in the EPF balance shown.
- Interest is credited annually at the rate you enter. The default is the rate declared for FY 2024-25 (8.25%); future rates are set each year and are not guaranteed.
- Salary increases once a year.
This is an estimate for planning. Your actual balance depends on declared rates, withdrawals and your employer’s contribution basis. Check your passbook on the EPFO portal.
Frequently asked questions
Why is my employer’s contribution to EPF less than 12%?
Part of the employer’s 12% goes to the Employees’ Pension Scheme (EPS): 8.33% of wages up to ₹15,000 per month. Only the remainder is credited to your EPF account.
Is EPF interest tax-free?
Interest on employee contributions above ₹2.5 lakh a year (₹5 lakh where there is no employer contribution) is taxable. Check the current rules or ask a tax adviser.