💼 EPF: Calculator

Estimate your Employees’ Provident Fund corpus at retirement.

₹
years
years
%
₹
%
EPF CORPUS AT RETIREMENT
₹0
over 30 years
Your Contribution
₹0
Employer (EPF part)
₹0
Interest Earned
₹0
Employer EPS (pension)
₹0
EPS (pension) contributions are set aside separately by EPFO and do not compound into this EPF corpus figure — they fund your monthly pension under a different formula.

How the EPF Calculator Works

The Employees' Provident Fund (EPF) is India's mandatory retirement savings scheme for salaried employees. Each month, you contribute 12% of your basic salary plus dearness allowance (DA), and your employer contributes a matching 12% — but the employer's share is split: 8.33% goes into the Employees' Pension Scheme (EPS), a separate pension fund, and the remaining 3.67% (plus your full 12%) is credited to your interest-bearing EPF account.

Employee EPF share = 12% × Basic+DA
Employer EPS share = 8.33% × min(Basic+DA, ₹15,000)
Employer EPF share = (12% × Basic+DA) − EPS share
Monthly balance compounds at Interest Rate ÷ 12

The September 2026 Wage Ceiling Change

Effective 17 September 2026, EPFO raised the statutory PF wage ceiling from ₹15,000 to ₹25,000 — the first increase in 12 years. This calculator applies 12%/12% contributions on your full basic salary (as most employers already do above the ceiling), while keeping the EPS pension-fund split calculated on wages capped at ₹15,000, since that ceiling was left unchanged.

Why EPS Isn't Included in the Corpus

The 8.33% employer contribution routed to EPS doesn't sit in your EPF account or earn EPF interest — it funds a separate, formula-based monthly pension payable after retirement. This calculator shows the EPS amount set aside for transparency, but only compounds the true EPF (provident fund) contributions into your final corpus.

📎 Related Tools: PPF Calculator NPS Calculator Gratuity Calculator HRA Calculator

❓ Frequently Asked Questions

What is the current EPF interest rate?
The EPF interest rate for FY 2025-26 is 8.25% per annum, as notified by EPFO. This rate is reviewed annually and credited to your account once notified, though interest accrues monthly on your running balance.
What changed with the EPF wage ceiling in September 2026?
Effective 17 September 2026, EPFO raised the general PF wage ceiling from ₹15,000 to ₹25,000 per month — the first change in 12 years. The EPS pension-fund contribution ceiling, however, remains at ₹15,000.
Why is my EPS contribution not part of the EPF corpus shown here?
EPS (Employees' Pension Scheme) is a separate, defined-benefit pension fund, not a compounding savings account. It pays a monthly pension after retirement using its own formula based on your pensionable salary and service years, not on accumulated interest.
Can I withdraw my EPF before retirement?
Yes, partial withdrawals are allowed for specific purposes like home purchase, medical emergencies, or marriage, and full withdrawal is permitted after 2 months of unemployment, though this reduces your final retirement corpus.
Is EPF interest taxable?
EPF enjoys EEE tax status for most employees: contributions (up to ₹2.5 lakh/year for tax-free interest on employee contributions), interest, and withdrawal after 5 years of continuous service are generally tax-exempt, subject to conditions under current income tax rules.

🏆 About This Tool — Accuracy & Trust

🔒 Data Privacy: All calculations run entirely within your browser using JavaScript. Nothing you enter here is ever transmitted to our servers, stored, sold, or shared.

📐 Accuracy Note: This tool uses standard, widely published formulas and guidelines. Results are estimates for informational purposes; for financial, medical, or engineering decisions, consult a licensed professional.

📅 Last Updated: September 2026.