EPF Calculator (India)
Estimate the Employees' Provident Fund corpus you'll have at retirement. Enter your monthly basic salary, age, expected annual increment and the EPF interest rate.
The Employees' Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India, run by the EPFO. You and your employer each contribute 12% of your basic salary plus dearness allowance every month. Your full 12% goes into the EPF; of the employer's 12%, 3.67% goes to EPF and 8.33% to the EPS pension. The EPF balance earns a government-declared interest rate — 8.25% for FY 2025-26 — compounded and credited yearly. This calculator projects your EPF corpus at retirement.
How the EPF corpus is calculated
Each month, 15.67% of your basic+DA (your 12% plus the employer's 3.67%) is added to the fund, and the running balance earns interest. As your salary rises with annual increments, so do the contributions.
Balance grows each month at the EPF rate ÷ 12, with salary rising yearly
| Basic+DA (age 30→58, 5% rise) | Corpus at 58 |
|---|---|
| ₹15,000 | ₹50,20,837 |
| ₹25,000 | ₹83,68,062 |
| ₹50,000 | ₹1,67,36,125 |
Worked example
Starting at 25 with ₹15,000 basic+DA, retiring at 58, salary rising 5% a year, at 8.25%:
| Total contribution (you + employer to EPF) | ₹22,58,279 |
| Interest earned | ₹60,67,680 |
| EPF corpus at 58 | ₹83,25,958 |
Why EPF is a strong base
EPF combines a high, government-backed interest rate with the discipline of automatic monthly deductions — and it enjoys EEE tax status, so contributions, interest and the final corpus are tax-free (subject to conditions). Notice how interest ends up dwarfing the contributions over a full career: that's decades of compounding at 8%+. The projection assumes steady employment and a constant rate; job changes, withdrawals and yearly rate revisions will move the actual figure.