🏛️ EPF Calculator

Calculate your Employee Provident Fund corpus at retirement.

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What is an EPF Calculator?

If you're a salaried employee in India with Basic + DA drawn every month, a slice of it is quietly building a retirement corpus through the Employees' Provident Fund. Both you and your employer contribute every month, and the accumulated balance earns interest declared annually by the EPFO. This calculator projects what that monthly contribution could grow into by the time you retire, based on your current Basic + DA, remaining years of service, and the EPF interest rate.

EPF Corpus Formula

Employee Contribution = (Basic + DA) × 12%
Employer Contribution to EPF = (Basic + DA) × 3.67%
(the remaining 8.33% of the employer's share goes to the EPS pension scheme, not EPF)
Monthly Total = Employee + Employer Contribution, compounded monthly at the declared EPF rate

Worked Example

Take a Basic + DA of ₹25,000 per month, an EPF rate of 8.25% per annum, and 20 years of remaining service.

Employee Contribution = 25,000 × 12% = ₹3,000/month
Employer Contribution to EPF = 25,000 × 3.67% = ₹917.50/month
Combined Monthly Investment ≈ ₹3,917.50

Compounded monthly at 8.25% over 240 months, this combined contribution grows into a retirement corpus of roughly ₹23.9–24 lakh — a mix of your own contribution, your employer's share, and two decades of compounding.

How to Use This Calculator

  1. Enter your Basic + DA per month (not your full CTC).
  2. Enter your expected Years of Service.
  3. Enter the current EPF Interest Rate — the EPFO revises this every financial year.
  4. Click Calculate to see your projected corpus at retirement.
💡 Tip: EPF withdrawal is completely tax-free once you've completed 5 years of continuous service; withdrawing earlier attracts TDS and makes the amount taxable. Avoid withdrawing your PF when switching jobs — transfer it instead using your UAN.

Since part of your employer's contribution actually funds your future pension rather than your EPF, it's worth also checking the NPS Calculator if you're planning additional voluntary retirement savings.

📅 Last reviewed: July 2026 · Formulas verified against RBI/SEBI/IT Dept guidelines.