Estimate your EPF corpus using monthly contributions, annual salary hikes and an assumed EPF interest rate. The calculator models the standard PF wage ceiling by default and separates the employer share between EPF and EPS. Higher-wage contributions can differ by establishment and eligibility.
| Component | Share | Where it goes |
|---|---|---|
| Employee Share | 12% of Basic Salary | 100% directly into EPF Account |
| Employer Share | 12% of Basic Salary | Employer share is split between EPF and EPS; EPS is capped at 8.33% of ₹15,000 (₹1,249.50/mo) under the standard ceiling. |
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.
The employee contribution is normally 12% of PF wages. The employer contribution is also 12%, with the EPS portion generally calculated at 8.33% of pensionable wages subject to the applicable ceiling; the balance goes to EPF. Actual treatment can vary where higher-wage contributions are permitted.
The calculator uses an assumed EPF interest rate of 8.25% p.a. for FY 2025–26. EPFO announces the applicable rate for each financial year.
Yes, EPF withdrawals are 100% tax-exempt provided you have completed at least 5 years of continuous service.
Interest is calculated monthly on the running balance but credited to your EPF account at the end of the financial year.
Yes, you can voluntarily contribute up to 100% of your basic salary via VPF (Voluntary Provident Fund), earning the same EPF interest rate.