About the EPF Calculator
EPF Calculator projects the balance of your Employees' Provident Fund account at retirement. Enter your monthly basic pay plus dearness allowance, your age and the age you will retire, your balance today, the yearly raise you expect and the interest rate. The page adds your 12% contribution and the part of your employer's 12% that goes to EPF (the rest, 8.33% of wages up to ₹15,000, goes to the pension scheme), works out interest each month and adds it each year, and shows the corpus, what each side paid and the interest earned.
Updated October 2026
How to use the EPF Calculator
- 1Type your monthly basic pay plus DA.
- 2Enter your age, retirement age and current EPF balance.
- 3Enter your expected yearly salary rise and the EPF interest rate.
- 4Read the corpus at retirement and the contributions and interest.
- 5Try other raises or interest rates to see the effect.
How your PF grows
Each month 12% of your basic pay plus DA goes into your EPF account and the employer adds most of its own 12%. Together that is roughly 15% to 20% of your basic pay in the account. The balance earns interest every month and the interest earns interest, so the largest part of a long career balance often comes from interest.
What to enter
Use your basic pay plus dearness allowance, not your take-home or CTC, because the contribution is set on basic wages. If your basic is high, the employer pension part is capped at 8.33% of ₹15,000, so more of the employer's share goes to EPF. A yearly salary rise of 5% to 8% gives a realistic result.
- Basic + DA, not gross salary
- Retirement age: 58 is the usual EPF age
- Interest: try 8% and 7.5% as well as the current rate
Using the projection
The number at the end is in future rupees, so compare it with expected prices by using an inflation figure. Add other savings such as NPS, PPF and mutual funds to see whether you are on track for your retirement goal.
Related tools
See tax on your salary with the India Income Tax Calculator, your gratuity with the Gratuity Calculator and HRA with the HRA Calculator. For long term investing try the SIP Calculator, and the PPF Calculator for the government savings scheme.
Features
- 12% employee and 12% employer contribution
- Pension scheme share (8.33%, capped at ₹15,000 wages) taken out
- Monthly interest, added yearly
- Yearly salary rise
- Total contributions and interest
- Private: nothing is uploaded
Frequently asked questions
How much goes into EPF each month?
You pay 12% of basic pay plus DA. Your employer also pays 12%, of which 8.33% (on wages up to ₹15,000, so at most ₹1,250) goes to the Employees' Pension Scheme and the rest goes to your EPF account.
What is the EPF interest rate?
It is announced by the government every year after the EPFO trustees recommend it. The rate for 2024-25 was 8.25%. Use the rate you expect on average.
How is interest calculated?
EPFO works out interest every month on the running balance and credits it at the end of the financial year. This page follows the same idea.
Can I withdraw before retirement?
Partial withdrawals are allowed for certain needs such as medical, home or marriage, and you can take your balance after leaving a job and not working for a period. Rules change, so check with EPFO.
Is EPF interest taxable?
Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if the employer does not contribute) is taxable. Withdrawals before 5 years of service can attract tax.
Is the pension part included?
No. The EPS pension is separate. This page shows only the EPF account balance.
Why is my result different from my passbook?
Your passbook includes real contributions, past rates and any transfers. This page projects a smooth future from the values you enter.
Is my data stored?
No. The calculation runs in your browser.