👷 EPF Calculator

An EPF (Employees' Provident Fund) calculator estimates your retirement corpus from monthly PF contributions. Enter your basic salary, employer/employee contribution percentages, current EPF rate, and years to retirement to see your total EPF corpus including interest.

🇺🇸 Calculating for United States

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EPF details

Basic monthly salary + DA (INR)

Employee contribution (%)

Employer contribution to EPF (%)

EPF interest rate (%)

Years of service

Annual salary increase (%)

EPF corpus after 20 years

₹67,12,078.83

At 8.25% interest with a 5% annual salary increase

Your contributions

₹23,80,748.70

Employer contributions

₹7,28,112.31

Interest earned

₹36,03,217.82

Note: of the employer's 12% share, 8.33% goes to EPS (pension) and only 3.67% is credited to your EPF account — that is why the employer EPF percentage defaults to 3.67%.

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Frequently asked questions

What is the current EPF interest rate?▾

The EPFO (Employees' Provident Fund Organisation) declares the interest rate annually. For 2024–25, it is 8.25% per annum. Interest is credited at the end of each financial year.

How much does employee and employer contribute to EPF?▾

Employees contribute 12% of basic+DA salary. Employers contribute 12% too, but 8.33% goes to EPS (Employee Pension Scheme) and only 3.67% to EPF. The employer PF contribution (3.67%) earns EPF interest.

Can I withdraw EPF before retirement?▾

Yes, but partial withdrawals are allowed for specific purposes (home purchase, medical emergency, marriage). Full withdrawal is permitted after retirement (age 58) or after 2+ months of unemployment.

Is EPF tax free?▾

EPF enjoys EEE tax status if you have 5+ years of continuous service. Contributions qualify for 80C deduction, interest is tax-free up to 2.5 lakh/year employee contribution, and maturity is tax-free after 5 years.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.