EPF Calculator
What your Employees’ Provident Fund grows to by retirement from your basic pay, with the employer’s split between EPF and the pension scheme and the ₹25,000 ceiling.
Result
EPF balance at retirement: ₹1,19,98,711.54Estimate
Assumes today’s rate every year and no withdrawals. The pension scheme share builds a pension, not this balance.
- Your contributions
- ₹25,22,991.58Estimate
- Employer contributions to EPF
- ₹18,23,103.58Estimate
- Interest
- ₹76,52,616.39Estimate
- Employer contributions to the pension scheme (not in this balance)
- ₹6,99,888.00Estimate
- Your contribution this month
- ₹3,600.00Estimate
- Employer’s EPF share this month
- ₹1,517.00Estimate
- Employer’s pension (EPS) share this month
- ₹2,083.00Estimate
https://calcgallery.com/retirement-planning/epf-calculator/
Results are arithmetic on the returns, rates and horizons you enter, not a forecast and not investment, tax or retirement advice. The site supplies no expected return, inflation rate, contribution limit, tax rate or withdrawal rate. Real returns vary from year to year, and fees, taxes and the order of returns all change the outcome. Check anything that matters with a qualified adviser. Read the full disclaimer
How to use the EPF Calculator
- Enter your basic pay plus dearness allowance a month. That is the PF wage your contributions are worked out on.
- Enter your age, the age you will retire at and your EPF balance today, from the EPFO passbook.
- Enter the yearly pay rise you expect, and whether your employer contributes on your full pay or only up to the ₹25,000 ceiling.
- Read the balance at retirement and how this month's contributions split between EPF and the pension scheme.
The calculation
The page runs your EPF account forward month by month to retirement. Each month the contributions on that year’s pay go in, and interest builds up on the balance. Once a year the interest is added, and the next year’s pay rise starts.
your contribution = 12% × PF wagespension scheme (EPS) = 8.33% × smaller of (pay, ₹25,000), to the rupeeemployer to EPF = 12% × PF wages − EPSinterest each month = balance × rate ÷ 12, added each yearWhich pay counts
PF wages are basic pay plus dearness allowance. Under the Code on Social Security, if allowances are more than half of your total pay, the excess is added back into wages, which can raise your PF contributions. Check the PF wage on your payslip and use that.
With your numbers
- You put in 12% of pay; your employer puts in 12%, of which 8.33% of pay up to ₹25,000 goes to the pension scheme
- Interest is worked out monthly on the running balance and added once a year
Quick reference
Assumes today’s rate every year and no withdrawals. The pension scheme share builds a pension, not this balance.
| Example | EPF balance at retirement |
|---|---|
| ₹30,000 basic, age 30 | ₹1,19,98,711.54 |
| ₹15,000 basic, age 25 | ₹86,20,717.78 |
| ₹50,000 basic, age 35, ₹5 lakh saved | ₹1,58,13,087.44 |
| ₹50,000 basic, ceiling only | ₹48,50,993.86 |
| ₹1,00,000 basic, age 40 | ₹1,51,83,390.20 |
| ₹25,000 basic, no raises | ₹48,50,993.86 |
Where the numbers come from
The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked
5 sources
EPFO circular No. INV-11/2/2021-INV/E-41960/2519 of 01.07.2026: "credit interest @ 8.25 % for the Financial Year 2025-26"
Used for
- EPF interest rate credited for 2025-26.
EPFO Wage Ceiling FAQs (September 2026), https://pmvbry-cdn.epfindia.gov.in/wp-content/uploads/2026/09/EPFO_Wage_Ceiling_FAQs.pdf, Q12
Used for
- Employee EPF contribution as a share of PF wages.
EPFO Wage Ceiling FAQs (September 2026), https://pmvbry-cdn.epfindia.gov.in/wp-content/uploads/2026/09/EPFO_Wage_Ceiling_FAQs.pdf, Q12: "8.33% will go towards EPS and the balance towards EPF"
Used for
- Employer contribution as a share of PF wages, split between EPS and EPF.
EPFO Wage Ceiling FAQs (September 2026), https://pmvbry-cdn.epfindia.gov.in/wp-content/uploads/2026/09/EPFO_Wage_Ceiling_FAQs.pdf, Q12 and Q13
Used for
- Share of wages, up to the ceiling, that goes to the pension scheme (EPS).
Gazette notification S.O. 5109(E) of 17.09.2026: "rupees twenty-five thousand (₹25,000) per month as the wage ceiling", https://pmvbry-cdn.epfindia.gov.in/wp-content/uploads/2026/09/Wage-Ceiling-Circular-28.09.2026.pdf
Used for
- EPF wage ceiling a month, from 17 September 2026 (was ₹15,000).
Common questions about the EPF Calculator
- How much goes into EPF each month?
- You contribute 12% of your basic pay and dearness allowance. Your employer also contributes 12%, but 8.33% of pay up to the wage ceiling goes to the Employees' Pension Scheme instead of your EPF account. On pay of ₹25,000 or more that is ₹2,083 a month to the pension scheme, and the rest of the employer's 12% goes to EPF.
- What is the new ₹25,000 wage ceiling?
- From 17 September 2026 the wage ceiling rose from ₹15,000 to ₹25,000 a month. It caps the pension scheme share, which went up from ₹1,250 to ₹2,083 a month, and it decides who must join EPF. Employers can still contribute on pay above the ceiling, and many do.
- How is EPF interest calculated?
- At a twelfth of the yearly rate each month on the running balance, added to the account once a year. A month's contribution, paid the following month, earns interest from then. The rate for 2025-26 was 8.25%, and each year's rate is declared after the year ends. The page assumes 8.25% for every future year.
- Why isn't the pension scheme share in the balance?
- The Employees' Pension Scheme pays a monthly pension worked out from your pensionable salary and years of service, not a balance you can withdraw. The page shows how much goes into it so the employer's contribution adds up to 12%.
- Is EPF tax-free?
- Your contributions count toward the savings deduction under the old tax regime. Interest is tax-free except on your own contributions above ₹2.5 lakh a year. Withdrawals after five years of continuous service are tax-free.