EPF Interest Calculator

Calculate the total interest your EPF (Employees' Provident Fund) corpus will earn by retirement, at the current EPFO interest rate.

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Enter your basic salary, age, and retirement age to project the total interest your EPF corpus will earn at the current 8.25% EPFO rate.
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Your result

₹1,65,05,127.04

Total interest earned

EPF corpus at retirement₹2,29,27,834.84
Total employee contribution₹34,58,754.90
Total employer contribution (EPF portion)₹29,63,952.90

AI explanation

Formula

Month-by-month compounding of employee + employer EPF contributions at the current EPF interest rate; interest = final corpus minus total contributions

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)30000
Current age25
Retirement age58
Expected annual salary increase5
Total interest earned16505127.04
EPF corpus at retirement22927834.84
Total employee contribution3458754.9
Total employer contribution (EPF portion)2963952.9

Assumptions

  • EPF interest rate used is 8.25% p.a. (FY 2025-26, the most recently notified rate) — EPFO revises this annually, so actual future interest will differ.
  • Basic salary is assumed to increase once per year by the entered percentage.
  • Interest shown excludes the separate EPS (pension) contribution, which does not earn EPF interest.

Frequently asked questions

How is EPF interest calculated?

EPFO computes interest monthly on the running balance at the annually notified rate (currently 8.25% for FY 2025-26), but credits it to the account once a year.

Is EPF interest taxable?

Interest on EPF contributions up to ₹2.5 lakh/year (employee's own contribution) is tax-free; interest on contributions above that threshold is taxable.

Does the EPF interest rate change every year?

Yes — EPFO's Central Board of Trustees recommends a rate each financial year based on the fund's actual investment returns, subject to Ministry of Finance approval.

Related calculators

EPF Contribution CalculatorEPS Pension Calculator

Related articles

Government Schemes1 min read

How EPF Interest Compounds Over a Career

EPF interest is computed monthly on a running balance that itself grows every month from new employee and employer contributions — a month-by-month simulation, not a single compound- interest formula, since the salary (and contribution) rises over the years.

Read guide
Government Schemes1 min read

Why EPF Grows With Compound Interest but EPS Doesn't

The same 33-year career produces a real ₹1,65,05,127.04 in EPF interest but only a flat ₹7,071.43 monthly EPS pension that wouldn't change even if the salary used to fund it had been much higher — because the two schemes work on entirely different principles.

Read guide

Sources

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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