EPF Contribution Calculator

Break down your projected EPF contributions — employee share, employer share, and total interest — from now until retirement.

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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
Enter your basic salary, age, and retirement age to see your projected EPF contributions split between employee (12%) and employer (12% minus the EPS portion) shares.
₹
%

Your result

₹34,58,754.90

Total employee contribution

Total employer contribution (EPF portion)₹29,63,952.90
Total interest earned₹1,65,05,127.04
EPF corpus at retirement₹2,29,27,834.84

AI explanation

Formula

Employee contributes 12% of basic+DA; employer contributes 12% of basic+DA minus the EPS portion (8.33%, capped at ₹1,250/month)

Worked example

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

Worked example: ₹30,000 basic, age 25 to 58, 5% annual increase
FieldValue
Current basic salary + DA (monthly)₹30,000
Current age25
Retirement age58
Expected annual salary increase5
Total employee contribution₹34,58,754.90
Total employer contribution (EPF portion)₹29,63,952.90
Total interest earned₹1,65,05,127.04
EPF corpus at retirement₹2,29,27,834.84

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, max ₹1,250/month) goes to EPS; the rest goes to EPF.
  • 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

Why is my employer's contribution less than mine?

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 contribute more than 12% voluntarily?

Yes, through the Voluntary Provident Fund (VPF) — you can contribute up to 100% of your basic+DA, earning the same EPF interest rate, though the employer is not obligated to match the additional amount.

What happens to my contributions if I change jobs?

Your EPF balance can be transferred to your new employer's EPF account via the UAN (Universal Account Number) portal, preserving continuity of service for tax and interest purposes.

Related calculators

EPF Interest CalculatorEPS Pension Calculator

Related articles

Government Schemes1 min read

How EPF Contributions Are Split Between Employee and Employer

Both employee and employer contribute 12% of basic salary plus DA each month, but the employer's contribution doesn't go entirely into the EPF corpus — part of it is diverted to the separate EPS pension scheme.

Read guide
Government Schemes1 min read

Where Your EPF Contribution Actually Goes: EPF vs EPS

EPF and EPS are two separate schemes funded from the same monthly contribution — EPF builds a lump-sum corpus you withdraw at retirement, while EPS pays a monthly pension for life, and the employer's 12% is what splits between them.

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. Actual contribution rates and the wage ceiling are set by EPFO and subject to change.

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