EPF Calculator

Estimate your Employees' Provident Fund (EPF) balance at retirement from your salary, age and yearly salary increase.

₹
₹1,000₹5 L
Enter a value between 1000 and 10000000.
Yr
18 Yr57 Yr
Enter a value between 18 and 57.
Yr
19 Yr60 Yr
Enter a value between 19 and 60.
%
12%20%
Enter a value between 12 and 100.
%
0%20%
Enter a value between 0 and 20.
₹
₹0₹50 L
Enter a value between 0 and 100000000.
%
1%15%
Enter a value between 1 and 15.
EPF balance at retirement
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    Frequently asked questions

    How much goes into EPF each month?

    You contribute 12% of basic salary plus DA. Your employer also contributes 12%, of which 8.33% (up to ₹1,250 a month, on wages up to ₹15,000) goes to the pension scheme (EPS) and the rest to your EPF.

    How is EPF interest calculated?

    Interest is worked out every month on the running balance and credited to your account once a year. The rate is set by EPFO each financial year; the calculator starts at 8.25%.

    Can I contribute more than 12%?

    Yes, through the Voluntary Provident Fund (VPF). Enter a higher contribution % to include it. Your employer's share does not change.

    Is the pension (EPS) included?

    No. The result is your EPF balance only. The EPS pension is paid separately, based on your service and salary.

    Disclaimer: This calculator is for illustration only. Results are estimates based on the rates and assumptions you enter; actual interest rates, returns, contribution rules and tax treatment are set by the government and the scheme regulator and can change.

    This is not tax or retirement advice. Please consult a financial advisor before making decisions.