SAVE · CALCULATOR
EPF Calculator
Your Employees' Provident Fund at retirement from your and your employer's monthly contributions.
Breakdown
Growth over time
Year by year
How this is calculated
You put in 12% of basic + DA; of the employer's 12%, 3.67% goes to EPF and 8.33% to the pension scheme (EPS). Interest is worked out monthly on the running balance and added once a year. Salary rises every year by the rate you set.
What the letters mean: Basic = basic + DA; you put in 12%, the employer 3.67% to EPF (8.33% goes to EPS); interest = balance × rate ÷ 12 each month, credited once a year.
Timing: Contributions are made every month; interest is added at the end of the year.
Default values: Basic + DA (monthly): ₹30,000 · Current age: 28 yrs · Salary rise every year: 6 % · EPF interest rate: 8.25 % · Current EPF balance: ₹0 · Extra voluntary PF (VPF): 0 %
Results are estimates, not investment or tax advice. Real returns go up and down; interest rates, taxes and charges change the actual amount. Please check with a CA or the income tax portal before filing.