🏢 EPF Calculator (Employees' Provident Fund)

Estimate your total retirement accumulated balance with monthly compounding interest, annual salary hikes, and employer contributions.

Current Monthly Basic Salary + DA (₹) Current Monthly Basic Salary + DA (₹)

Current Age Current Age

Retirement Age Retirement Age

EPF Rate (% p.a.) EPF Rate (% p.a.)

Annual Salary Hike (%) Annual Salary Hike (%)

Employee Contribution (% of Basic) Employee Contribution (% of Basic)

Your Contribution: ₹0

Employer Contribution (EPF): ₹0

Total Interest Earned: ₹0

Total Maturity Corpus: ₹0

Retirement Wealth Accumulation

📊 Breakdown of EPF Contributions

Component	Share	Where it goes
Employee Share	12% of Basic Salary	100% directly into EPF Account
Employer Share	12% of Basic Salary	3.67% to EPF + 8.33% to Pension (EPS, capped at ₹1,250/mo)

How EPF (Employees' Provident Fund) Works

The Employees' Provident Fund (EPF) is a government-managed retirement scheme for salaried employees in India. Both employee and employer contribute 12% of the basic salary plus Dearness Allowance (DA) every month.

While the full 12% of employee contribution goes straight into the EPF account, employer's 12% contribution is split: 3.67% goes to EPF, and 8.33% goes into the Employees' Pension Scheme (EPS).

Frequently Asked Questions

1. What is the current EPF interest rate?

The EPFO (Employees' Provident Fund Organisation) reviews and announces the annual interest rate every financial year (currently 8.25% p.a.).

2. Is EPF completely tax-free on withdrawal?

Yes, EPF withdrawals are 100% tax-exempt provided you have completed at least 5 years of continuous service.

3. How is monthly interest calculated on EPF?

Interest is calculated monthly on the running balance but credited to your EPF account at the end of the financial year.

4. Can I contribute more than 12% to Provident Fund?

Yes, you can voluntarily contribute up to 100% of your basic salary via VPF (Voluntary Provident Fund), earning the same EPF interest rate.