EPF Calculator India

Estimate your EPF balance at retirement from your salary, age and contribution rate.

Current basic salary + DA₹Current ageyearsRetirement ageyearsCurrent EPF balance₹Expected annual EPF interest rate%Annual salary increment%

—projected EPF corpus at retirement

—your total contribution (employee share)

—total interest earned

Employee contributes 12% of basic + DA to EPF each month; the employer's 12% is split, with only 3.67% credited to EPF (the remaining 8.33% goes to the EPS pension scheme, a separate benefit not modelled here).

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About the EPF Calculator

The Employees' Provident Fund (EPF) is a retirement savings scheme where both you and your employer contribute a share of your basic salary and dearness allowance (DA) every month, earning compound interest until you retire or withdraw. This calculator projects your EPF corpus at retirement based on your current salary, age, balance and expected salary growth.

How it works

Each month, the employee contributes 12% of basic salary + DA to EPF.
The employer also contributes 12%, but only 3.67% of that goes into the EPF account — the remaining 8.33% is routed to the Employees' Pension Scheme (EPS), a separate pension benefit not included in this corpus.
So the combined monthly EPF credit is 15.67% of basic + DA.
The calculator simulates year by year: each month's contribution is added and interest is compounded monthly at the entered rate, and your salary is increased by your expected annual increment at the start of each new year.

Assumptions and behaviour

Interest is compounded monthly on the running balance at the rate you enter (annual rate ÷ 12).
Salary increases are applied once a year, compounding on the previous year's salary.
EPS (pension) contributions and payouts are not modelled — this tool only projects the EPF (provident fund) corpus, not your eventual pension.
Assumes continuous employment and contribution until your chosen retirement age, with no withdrawals along the way.

Limitations

Doesn't account for the statutory wage ceiling (₹15,000/month) that some employers apply when calculating the mandatory employer EPF/EPS split — many salaried employees today contribute on full basic pay via voluntary employer participation, which this calculator assumes.
Doesn't model Voluntary Provident Fund (VPF) top-ups, partial withdrawals, or job changes.
EPF interest rates are declared annually by the EPFO and can change — the rate you enter is held constant for the whole period.

Privacy

The calculation runs entirely in your browser. Nothing is uploaded or stored.

Frequently asked questions

Is this EPF calculator free?

Yes — free, no sign-up, no limits, runs in your browser.

What EPF interest rate should I use?

EPFO declares a rate each financial year; 8.25% has been a recent typical rate. Check the latest EPFO notification for the current rate and adjust the input accordingly.

Does this include my employer's pension (EPS) contribution?

No. Only the 3.67% of the employer's share that goes into EPF is included — the other 8.33% goes to EPS, a separate pension benefit this calculator doesn't project.

Does it account for the ₹15,000 wage ceiling?

No, it assumes contributions are calculated on your full basic salary + DA, which is common where employers opt to contribute above the statutory ceiling. If your employer strictly applies the ceiling, your actual employer contribution may be lower.

Is my data uploaded?

No. Everything runs locally in your browser; nothing is sent or stored.

Written by Lakshay Kumar(TechLakshay)

A QA Automation Engineer by trade, Lakshay's real passion is untangling complex problems into simple, working solutions — which is exactly why FreeMyTask exists. On Instagram, he channels that same instinct into helping 26,000+ content creators with SEO education, motivation, and hands-on query solving.

Last updated: August 22, 2026