EPF Calculator

Project your EPF (Employees' Provident Fund) corpus at retirement based on your current basic salary, expected annual increments, and the current EPFO interest rate.

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Data period
EPF interest rate for FY 2025-26 (8.25%, the latest declared)
Source
Press Information Bureau, Ministry of Labour & Employment, Government of India
Last updated
24-09-2026
This calculator projects your EPF (Employees' Provident Fund) corpus at retirement based on your current basic salary, expected annual salary growth, and the current EPF interest rate.
₹
%

Your result

₹1,11,70,373.37

EPF corpus at retirement

Total employee contribution₹21,02,492.98
Total employer contribution (EPF portion)₹16,82,660.98
Total interest earned₹73,85,219.41

AI explanation

Formula

Month-by-month compounding of employee (12% of basic) + employer EPF portion (12% of basic minus EPS, capped at the ₹15,000 wage ceiling) at the current EPF interest rate

Worked example

₹25,000 basic, age 30 to 58, 5% annual increase

Worked example: ₹25,000 basic, age 30 to 58, 5% annual increase
FieldValue
Current basic salary + DA (monthly)₹25,000
Current age30
Retirement age58
Expected annual salary increase5
EPF corpus at retirement₹1,11,70,373.37
Total employee contribution₹21,02,492.98
Total employer contribution (EPF portion)₹16,82,660.98

Assumptions and limitations

This calculator assumes

  • Employee contributes 12% of basic + DA, fully credited to EPF.
  • Employer's 12% is split — up to 8.33% of basic (capped at the ₹15,000/month wage ceiling, i.e. max ₹1,250/month) goes to EPS (pension scheme, excluded from this EPF corpus); the rest goes to EPF.
  • EPF interest rate used is 8.25% p.a. (FY 2025-26, the most recently notified rate) — EPFO revises this annually, so actual future returns will differ.
  • Basic salary is assumed to increase once per year by the entered percentage.

What it does not account for

  • Projects every future year at the FY 2025-26 rate; the EPF rate is declared afresh each year.
  • Does not model withdrawals, gaps in employment or voluntary contributions.

Frequently asked questions

What is the current EPF interest rate?

8.25% per annum for FY 2025-26, as notified by EPFO — this rate is reviewed and can change each financial year.

Why is my employer's EPF contribution less than my own?

Both you and your employer contribute 12% of basic salary, but part of the employer's share (8.33%, capped at ₹1,250/month) goes to the separate Employees' Pension Scheme (EPS), not to your EPF corpus.

Can I withdraw my EPF before retirement?

Partial withdrawals are allowed for specific reasons (home purchase, medical emergencies, education, marriage) under EPFO rules, and full withdrawal is allowed after 2 months of unemployment or at retirement.

Related calculators

PPF CalculatorTake-Home Salary CalculatorAtal Pension Yojana Calculator

Related articles

Government Schemes3 min read

EPF vs NPS vs PPF: Comparing India's Three Big Retirement Savings Options

EPF is mandatory and employer-matched with a government-set 8.25% rate, NPS is voluntary and market-linked with the highest long-run growth potential but a locked-in annuity requirement, and PPF is voluntary and fully guaranteed with tax-free (EEE) returns — they solve different problems, so most salaried savers end up using more than one rather than picking just one.

Read guide

Sources

Official sources

Further reading

Rates and rules on this page apply from 01-04-2025. Page last updated 24-09-2026.

This is a projection based on a constant assumed interest rate and salary growth rate, both of which will vary in reality. The EPF interest rate is revised annually by EPFO and is not guaranteed to remain at 8.25%.

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