⚡ Free Online Tool

EPF Calculator

Estimate your Employees' Provident Fund (EPF) corpus at retirement.

EPFProvident FundRetirementGovernment Scheme
✓ 100% Free✓ No Sign-up Required
Applied to your basic salary + DA every year
Last declared rate: 8.25% for FY 2025-26 (EPFO declares each year's rate separately, usually around Feb–Mar)

Projected EPF Corpus at Retirement (age 58)

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Your Contribution
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Employer's EPF Share
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Total EPF Corpus
You contribute 12% of Basic+DA every month. Your employer also contributes 12%, but 8.33% of that (capped at ₹1,250/month, based on the ₹15,000 wage ceiling) is diverted to the EPS pension scheme, not your EPF account — only the remainder is added here. Interest is credited annually and is tax-free (EEE status) as long as you stay employed 5+ years.
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Custom Options

Adjust settings to match exactly what you need

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100% Private

Files are never uploaded to a server — processed in your browser

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Free Forever

No limits, no payment, ever

How To Use

1

Enter your details

Fill in the required numbers in the calculator.

2

See instant results

The result updates automatically as you type.

3

Check the breakdown

Review the detailed breakdown shown below the result.

4

Use it as many times as you like

This calculator is free and has no usage limit.

About This Tool

EPF Calculator projects your Employees' Provident Fund corpus at retirement (age 58), based on your basic salary + DA, expected annual increments, and the latest declared EPF interest rate.

Frequently Asked Questions

Is this calculator free to use?

Yes, completely free with no sign-up required and no limit on how many times you can use it.

Is my data stored anywhere?

No. All calculations happen instantly in your browser — nothing is sent to any server.

What is the EPS wage ceiling?

Your employer's 8.33% EPS (pension) contribution is capped at ₹1,250/month, based on a wage ceiling of ₹15,000 — any excess from their 12% share goes to your EPF account instead.

Can I withdraw my EPF before retirement?

Full withdrawal is allowed after 2 months of unemployment; partial withdrawals are permitted for specific purposes like a home purchase, medical treatment, or a wedding.

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