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EPF Calculator

Estimate your EPF (provident fund) balance at retirement from your basic salary, contributions, salary growth and the EPF interest rate. Free PF calculator.

EPF balance at 58
₹2,16,92,129
Your contributions
₹34,58,755
Employer contributions
₹29,63,755
Interest earned
₹1,52,69,619

Employer EPF share is 12% minus the EPS pension part (8.33%, capped at ₹1,250 a month).

AgeContributionsInterestBalance
26₹71,400₹3,191₹74,591
27₹75,720₹9,537₹1,59,848
28₹80,256₹16,774₹2,56,878
29₹85,019₹24,992₹3,66,889
30₹90,020₹34,291₹4,91,199
31₹95,271₹44,781₹6,31,251
32₹1,00,784₹56,582₹7,88,618
33₹1,06,573₹69,823₹9,65,015
34₹1,12,652₹84,648₹11,62,315
35₹1,19,035₹1,01,210₹13,82,560
36₹1,25,736₹1,19,680₹16,27,976
37₹1,32,773₹1,40,241₹19,00,991
38₹1,40,162₹1,63,095₹22,04,248
39₹1,47,920₹1,88,461₹25,40,629
40₹1,56,066₹2,16,576₹29,13,271
41₹1,64,619₹2,47,701₹33,25,592
42₹1,73,600₹2,82,119₹37,81,311
43₹1,83,030₹3,20,137₹42,84,479
44₹1,92,932₹3,62,091₹48,39,502
45₹2,03,328₹4,08,345₹54,51,176
46₹2,14,245₹4,59,296₹61,24,717
47₹2,25,707₹5,15,375₹68,65,799
48₹2,37,743₹5,77,053₹76,80,595
49₹2,50,380₹6,44,838₹85,75,812
50₹2,63,649₹7,19,286₹95,58,747
51₹2,77,581₹8,01,001₹1,06,37,329
52₹2,92,210₹8,90,638₹1,18,20,177
53₹3,07,571₹9,88,909₹1,31,16,657
54₹3,23,699₹10,96,589₹1,45,36,946
55₹3,40,634₹12,14,520₹1,60,92,100
56₹3,58,416₹13,43,615₹1,77,94,130
57₹3,77,087₹14,84,867₹1,96,56,084
58₹3,96,691₹16,39,354₹2,16,92,129

How your EPF corpus builds up

Every month you put 12% of your basic salary plus DA into the Employees' Provident Fund. Your employer also pays 12%, but 8.33% of it (up to ₹1,250 a month) goes to the pension scheme (EPS), so only the rest reaches your EPF. Interest is worked out monthly and credited once a year; the rate for 2024–25 is 8.25%. Starting at 25 with ₹30,000 basic and 5% yearly raises, the balance could reach about ₹2.17 crore by 58.

How to use it

  1. 1

    Enter your salary

    Your monthly basic + DA and your age.

  2. 2

    Set contributions and growth

    Your contribution %, yearly raise and the EPF rate.

  3. 3

    See your balance

    Corpus at retirement with a year-by-year table.

Frequently asked questions

How much does my employer contribute to EPF?

12% of basic + DA, of which 8.33% (capped at ₹1,250 a month) goes to EPS and the remainder to your EPF.

What is the EPF interest rate?

8.25% for 2024–25, declared yearly by EPFO.

Is EPF interest taxable?

Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if the employer doesn't contribute) is taxable. Withdrawals after 5 years of service are tax-free.

Is my salary data stored?

No. Nothing leaves your browser.

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