Estimate your Employee Provident Fund corpus at retirement, based on your current basic salary, contribution rate, and expected annual salary growth.
Both you and your employer contribute 12% of your basic salary + DA each month to EPF — but only 3.67% of the employer's share actually goes into your EPF account (the remaining 8.33%, capped at a wage ceiling, goes to the Employee Pension Scheme, EPS, which pays a separate pension). EPF interest is calculated monthly on the running balance and credited annually, currently at 8.25% per annum for FY 2025-26.
This calculator assumes your basic salary grows every year at the rate you specify, and that you stay employed continuously until retirement — job changes, EPF withdrawals along the way, or salary structure changes would all affect the actual final corpus.
The EPF interest rate for FY 2025-26 is 8.25% per annum, as declared by EPFO and ratified by the government. This rate is reviewed annually and can change.
Employees contribute 12% of basic + DA. Employers also contribute 12%, but split: 8.33% goes to EPS (Employee Pension Scheme, capped at a wage ceiling) and the remaining 3.67% goes to your EPF account.
EPF withdrawal is tax-free if made after 5 years of continuous service. Withdrawals before 5 years may attract TDS and be taxable, with some exceptions like job loss due to ill health.