EPF Calculator
Employee Provident Fund maturity calculator
₹/mo
yrs
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EPF Corpus at Retirement (58 yrs)
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Employee Contribution
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Employer Contribution
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Total Interest
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What is an EPF (Employee Provident Fund) calculator?

EPF is mandatory retirement savings for salaried employees covered under the EPF Act. Both employee and employer contribute 12% of basic + DA monthly. Current EPF interest rate: 8.25% p.a. (FY 2024-25). The accumulated corpus is available at retirement (58 years) or on leaving employment.

Formula used

Employee contribution: 12% of (Basic + DA) Employer to EPF: 3.67% of (Basic + DA) Employer to EPS: 8.33% (capped at ₹1,250/month) Current EPF rate: 8.25% p.a. compounded annually

How to use this calculator

  1. Enter your current basic salary + DA per month
  2. Enter your current age
  3. Enter expected annual salary increment %
  4. Adjust EPF interest rate if needed (default 8.25%)
  5. Click Calculate EPF Corpus

Example

Example — Employee aged 28, basic ₹40,000/month:
Monthly employee contribution: 40,000 × 12% = ₹4,800
Monthly employer to EPF: 40,000 × 3.67% = ₹1,468
Total monthly to EPF: ₹6,268 | Rate: 8.25% | Annual hike: 8%

Projected corpus at 58 (30 years): ≈ ₹2.8 crore
Total contributed by you: ≈ ₹56 lakh | Returns: ≈ ₹2.24 crore

EPF vs NPS vs PPF:

FeatureEPFPPFNPS
Rate8.25%7.1%10–12%*
Tax on maturityExempt (5yr+)Exempt60% exempt
Lock-inRetirement15 yearsUntil 60

*NPS equity fund historical returns — not guaranteed.

Frequently asked questions

UAN (Universal Account Number) is your permanent 12-digit EPF ID across all employers. Use it to check balance (epfindia.gov.in or UMANG app), transfer EPF when changing jobs, and withdraw online.
Transfer your EPF to the new employer using your UAN within 3 years. Never withdraw on job change — it breaks compounding and invites tax (if service < 5 years).
Withdrawal before 5 continuous years of service is taxable. After 5 years, fully exempt. This is why you must never break EPF on job changes.