EPF Calculator

Calculate your Employee Provident Fund retirement corpus, employee and employer contributions, and statutory interest.

Track employee and employer retirement accumulation.

Basic Salary + DA (Monthly)

Your Contribution (% of Basic)

Employer Contribution (% of Basic)

8.33% of basic (up to ₹1,250/month) goes to the EPS pension scheme — only the remainder is added to your EPF corpus.

Interest Rate (% p.a.)

The EPF rate is set by the government every year — enter the current rate.

Years to Retirement

years

Expected Annual Salary Increase

Current EPF Balance (Optional)

Maturity Value

Employee Contribution

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Employer EPF

—

Interest Earned

—

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

₹43,74,947 maturity value12% employee + 12% employer contribution, 8.25% p.a., 20 years — ₹26,58,827 in interest earned

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.