EPF Calculator India: Balance, Interest and Retirement Corpus
Project your EPF corpus at 8.25% p.a. (FY 2025-26). See employee and employer contributions, interest and a year-by-year breakdown. Free and private.
Last updated: June 2026
How EPF works: You and your employer each contribute 12% of basic salary. Your employer's share is split: 8.33% to EPS (pension) and 3.67% to EPF. Only the EPF portion earns the 8.25% interest shown here.
Check your UAN passbook on the EPFO portal.
Projected EPF at retirement
- EPF corpus
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- Your contributions
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- Employer contributions (EPF)
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- Total interest earned
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- Years to retirement
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| Yr | Age | Basic | Contribution | Interest | Balance |
|---|
Your largest hidden asset
For most salaried Indians, EPF quietly becomes the biggest financial asset after the family home, yet hardly anyone checks the balance. This EPF calculator projects what that balance grows to by retirement, using the 8.25% rate for FY 2025-26 and your own salary and increment assumptions.
The mechanics matter. You put in 12% of basic salary and dearness allowance every month. Your employer matches 12%, but 8.33% of that is diverted to the EPS pension scheme, leaving only 3.67% in your EPF. So the EPF balance grows by roughly 15.67% of your basic each month, plus 8.25% annual interest compounding on the whole pot. The year-by-year table shows how interest starts small and becomes the dominant force in later years.
EPF is also tax-efficient. It carries EEE status after five years of service: the contribution is deductible under Section 80C, the interest is tax-free, and maturity is tax-free. If you want to save more at the same rate, VPF lets you contribute beyond 12%. Compare your options with the EPF vs PPF and EPF vs NPS guides, or model other instruments with the PPF calculator and NPS calculator.
Financial Disclaimer: Results are estimates for information only and not financial advice. The EPF rate is set annually and may change; the projection compounds interest annually and assumes steady contributions. Consult a qualified advisor. Full disclaimer.
How it works
Three quick steps — no account, nothing uploaded to a server.
Enter your details
Add your age, current EPF balance and monthly basic salary.
Set your increment
Choose an expected annual salary increase.
See your corpus
Get your projected EPF balance and the full year-by-year breakdown.
Related reading
Rates and rules on this page are verified against EPFO (epfindia.gov.in). Last checked July 2026.
FAQ
Frequently asked questions
What is the current EPF interest rate?
The EPF interest rate for FY 2025-26 is 8.25% per annum, recommended by the EPFO's Central Board of Trustees and unchanged from the previous year. Interest is calculated monthly on the running balance and credited once a year at the end of the financial year. This calculator uses 8.25% and compounds it annually for a clear year-by-year projection.
How much do I and my employer contribute to EPF?
You contribute 12% of your basic salary plus dearness allowance each month. Your employer also contributes 12%, but it is split: 8.33% goes to the Employee Pension Scheme (EPS) and only 3.67% goes into your EPF. That is why this calculator credits 12% from you and 3.67% from your employer to the EPF balance.
What is EPS and how is it different from EPF?
EPS, the Employee Pension Scheme, receives 8.33% of your employer's contribution and pays you a monthly pension after retirement. EPF is the lump-sum provident fund that earns 8.25% and is paid out in full. Because EPS pension is capped by a ₹15,000 pensionable salary ceiling, most EPS pensions are modest, while the EPF lump sum can be substantial.
Is EPF tax-free?
EPF enjoys EEE status when held for at least five continuous years. Your contribution qualifies for a deduction under Section 80C, the interest is tax-free, and the maturity amount is tax-free. If you withdraw before five years of service, the amount can become taxable. Interest on your own contributions above ₹2.5 lakh in a year is also taxable under current rules.
When can I withdraw my EPF?
You can withdraw the full balance at retirement (age 58) or after two months of unemployment. Partial withdrawals are allowed for specific needs such as buying a home, medical treatment, marriage or education, each with its own conditions. You can also raise your savings through VPF, which adds voluntary contributions above 12% at the same 8.25% rate.
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