EPF calculator
What your Provident Fund quietly builds up to by retirement.
Quick answer
An EPF calculator estimates your Employees' Provident Fund balance at retirement. It compounds monthly employee and employer contributions at the EPF rate, growing with annual salary hikes — a core tax-free retirement asset.
EPF corpus at retirement
From 12% of you + ~3.67% of your employer, compounded for 30 years.
- Full value
- ₹1,02,05,120
EPF is tax-free on maturity and one of the safest 8%+ instruments in India — don't withdraw it between jobs.
Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).
What this tells you
The Employees' Provident Fund is a mandatory retirement pot: 12% of your basic pay from you, matched by your employer. It's tax-free, earns ~8%+, and quietly becomes your biggest safe asset.
How it's calculated
We compound your contribution (12% employee + ~3.67% of the employer share that lands in EPF) monthly at the EPF rate, growing the base with your annual salary hike. The rest of the employer's 12% goes to the EPS pension pot.
Common questions
- Should I withdraw EPF when I switch jobs?
- Almost never. Transfer it instead. Withdrawing breaks the compounding and can be taxable if done before 5 years of continuous service.
- What is VPF?
- Voluntary Provident Fund lets you contribute more than 12% at the same tax-free EPF rate — a strong, safe option if you've maxed other avenues.
Jargon, explained
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Sources
For general education, not personalised financial advice. Verify current rates and rules before acting — tax laws and interest rates change.