EPF Calculator — Provident Fund Corpus at Retirement
Project your Employees' Provident Fund balance at retirement.
✓ 8.25% EPFO rate (FY 2024-25) · updated June 2026
Includes your 12% and the employer's EPF share (12% minus the 8.33% EPS diversion on wages up to ₹15,000). EPFO declared 8.25% for FY 2024-25.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
Estimate your EPF corpus at retirement from your monthly basic salary (plus DA). The calculator applies the statutory split — your 12%, plus the employer's 12% minus the 8.33% EPS diversion on wages up to ₹15,000 — and compounds the EPFO-declared interest monthly, with your salary growing annually. Open your payslip, copy the basic, and see where you'll land at 58.
How to use the EPF Calculator
- Enter your current monthly basic salary + dearness allowance.
- Set your current age, retirement age and expected annual salary growth.
- Check the EPF interest rate (pre-filled with the latest EPFO declaration).
- Read your projected corpus, total contributions and interest earned.
Frequently asked questions
How much goes into EPF each month?
You contribute 12% of basic+DA. Your employer also pays 12%, but 8.33% of wages (capped at a ₹15,000 wage base) is diverted to the pension scheme (EPS) — the rest joins your EPF balance.
What interest rate does EPF pay?
EPFO declares the rate yearly — 8.25% for FY 2024-25. Interest is calculated on monthly running balances and credited annually, and it's tax-free within the contribution limits.
Can I withdraw EPF before retirement?
Partial withdrawals are allowed for specific purposes (home purchase, medical, education) after minimum service periods, and the full balance after 2 months of unemployment — but early withdrawals sacrifice the most powerful compounding years.