EPF Calculator
FinanceCalculate how much your Employee Provident Fund will be worth by retirement.
Maturity Value
EPF interest is tax-free throughout your career and the employer's EPS contribution builds a separate pension — both compound in your favour every year you stay invested.
Worked Example — ₹35,000 basic salary, 20 years
Frequently Asked Questions
You contribute 12% and your employer also contributes 12% — split between EPF and EPS. Employers typically pay an additional ~1% toward EDLI (insurance) and administration charges, which is sometimes why the employer's total outgo is quoted closer to 13% — but that extra 1% doesn't add to your EPF or EPS corpus.
Common Mistakes to Avoid
- Your employer's 12% doesn't all land in your EPF account. 8.33% of basic salary (capped at ₹1,250/month, based on the ₹15,000 wage ceiling) is diverted to the Employees' Pension Scheme (EPS) instead. Only the remainder of the employer's contribution, plus your own full contribution, actually compounds inside your EPF balance.
- This isn't your monthly pension amount — EPS pension uses a separate formula. The EPS Contribution shown here is how much money is diverted toward your pension scheme, not the pension you'll actually receive. The real pension is a defined-benefit calculation (Pensionable Salary × Pensionable Service ÷ 70, subject to its own caps), unrelated to simply accumulating the diverted amount.
References
- EPFO — Employees' Provident Fund Organisation contribution and interest rate notifications
Last reviewed July 2026
Was this calculator helpful?
Can't find a calculator you need?
Plan your finances further
PPF Calculator
Calculate PPF maturity value for any annual investment and tenure.
FD Calculator
Calculate fixed deposit maturity value and interest earned.
Lumpsum Calculator
Estimate the future value of a one-time mutual fund investment.
Income Tax Calculator
Compare Old vs New tax regime and find out which one saves you more.