EPF Calculator

Calculate your Employee Provident Fund corpus at retirement with detailed contribution breakdown.

Basic Salary (₹/month)

Dearness Allowance (₹/month)

Employee Contribution (%)

EPF Interest Rate (%)

Current Age

Retirement Age

Existing EPF Balance (₹)

Employee/month

₹3,600

Employer EPF/month

₹2,351

EPS/month

₹1,250

Total EPF/month

₹5,951

Your Contribution

₹14,25,600

Employer EPF

₹9,30,798

Interest Earned

₹95,24,942

EPF Corpus

₹1,18,81,340

Year-by-Year EPF Growth

Year	Age	Employee	Employer EPF	Interest	Balance
1	26	₹43,200	₹28,206	₹5,891	₹77,297
2	27	₹43,200	₹28,206	₹12,268	₹1,60,971
3	28	₹43,200	₹28,206	₹19,171	₹2,51,548
4	29	₹43,200	₹28,206	₹26,644	₹3,49,598
5	30	₹43,200	₹28,206	₹34,733	₹4,55,737
6	31	₹43,200	₹28,206	₹43,489	₹5,70,632
7	32	₹43,200	₹28,206	₹52,968	₹6,95,006
8	33	₹43,200	₹28,206	₹63,229	₹8,29,641
9	34	₹43,200	₹28,206	₹74,336	₹9,75,383
10	35	₹43,200	₹28,206	₹86,360	₹11,33,150
11	36	₹43,200	₹28,206	₹99,376	₹13,03,931
12	37	₹43,200	₹28,206	₹1,13,465	₹14,88,803
13	38	₹43,200	₹28,206	₹1,28,717	₹16,88,926
14	39	₹43,200	₹28,206	₹1,45,227	₹19,05,559
15	40	₹43,200	₹28,206	₹1,63,100	₹21,40,065
16	41	₹43,200	₹28,206	₹1,82,446	₹23,93,917
17	42	₹43,200	₹28,206	₹2,03,389	₹26,68,712
18	43	₹43,200	₹28,206	₹2,26,060	₹29,66,178
19	44	₹43,200	₹28,206	₹2,50,601	₹32,88,185
20	45	₹43,200	₹28,206	₹2,77,166	₹36,36,757
21	46	₹43,200	₹28,206	₹3,05,923	₹40,14,087
22	47	₹43,200	₹28,206	₹3,37,053	₹44,22,546
23	48	₹43,200	₹28,206	₹3,70,751	₹48,64,703
24	49	₹43,200	₹28,206	₹4,07,229	₹53,43,338
25	50	₹43,200	₹28,206	₹4,46,716	₹58,61,460
26	51	₹43,200	₹28,206	₹4,89,461	₹64,22,328
27	52	₹43,200	₹28,206	₹5,35,733	₹70,29,467
28	53	₹43,200	₹28,206	₹5,85,822	₹76,86,695
29	54	₹43,200	₹28,206	₹6,40,043	₹83,98,144
30	55	₹43,200	₹28,206	₹6,98,738	₹91,68,288
31	56	₹43,200	₹28,206	₹7,62,275	₹1,00,01,968
32	57	₹43,200	₹28,206	₹8,31,053	₹1,09,04,428
33	58	₹43,200	₹28,206	₹9,05,506	₹1,18,81,340

Understanding EPF

Employee Provident Fund (EPF) is a retirement savings scheme managed by the EPFO (Employees' Provident Fund Organisation). Both the employee and employer contribute to the fund every month.

Contribution Breakdown

The employee contributes 12% of Basic + DA to EPF. The employer also contributes 12%, but this is split: 3.67% goes to EPF and 8.33% goes to EPS (Employee Pension Scheme), with EPS capped at ₹15,000 wage.

Interest Rate

The current EPF interest rate is 8.25% per annum (FY 2024-25). The rate is declared annually by the government and has historically ranged between 8-9%.

Tax Benefits

Employee contributions qualify for deduction under Section 80C (up to ₹1.5 lakh). Interest earned and the maturity amount are tax-free if the employee has completed 5 years of continuous service.