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EPF Calculator

Estimate your Employee Provident Fund (EPF) corpus at retirement.

How this is calculated
Monthly contributions (12% employee + 3.67% employer) compounded annually, with basic salary growing each year

Assumptions used in this calculation

  • Employer contribution split: Assumes 3.67% of the employer's 12% contribution goes to EPF (the remainder to EPS), without applying the EPS wage ceiling.
  • Interest crediting: Interest is compounded annually in this model; EPFO actually credits interest annually but computes it on monthly running balances.

About this calculator

The EPF calculator projects your Employee Provident Fund corpus at retirement based on current basic salary, expected annual salary growth, the EPFO-declared interest rate, and years remaining, combining your 12% contribution with the employer's matching 3.67% share (the portion of the employer's 12% that goes to EPF rather than EPS).

Worked example

₹20,000 basic salary, 8.25% rate, 20 years, 5% annual salary growth

Result: EPF corpus ≈ ₹35–40 lakh depending on salary growth

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