EPF Calculator

Employee Provident Fund Retirement Calculator

EPF Details

₹50,000
30
58
₹3.00 L
5%

EPF Corpus at Retirement (Age 58)

₹1.87 Cr
Employee
₹42.05 L
Employer
₹12.86 L
Interest
₹1.29 Cr

EPF Contribution Rules

EPF Interest Rate (2025)8.25%
Employee Contribution12% of Basic
Employer to EPF3.67%
Employer to EPS8.33%

Year-wise EPF Growth

YearAgeBasic SalaryYour ContribEmployer ContribInterestBalance
131₹50,000₹72,000₹22,020₹28,628₹4.23 L
232₹52,500₹75,600₹23,121₹38,941₹5.60 L
333₹55,125₹79,380₹24,277₹50,501₹7.14 L
434₹57,881₹83,349₹25,491₹63,433₹8.87 L
535₹60,775₹87,516₹26,765₹77,870₹10.79 L
1040₹77,566₹1.12 L₹34,160₹1.78 L₹24.12 L
1545₹98,997₹1.43 L₹43,598₹3.45 L₹46.16 L
2050₹1.26 L₹1.82 L₹55,643₹6.14 L₹81.77 L
2555₹1.61 L₹2.32 L₹71,017₹10.43 L₹1.38 Cr
2656₹1.69 L₹2.44 L₹74,568₹11.54 L₹1.53 Cr
2757₹1.78 L₹2.56 L₹78,296₹12.77 L₹1.69 Cr
2858₹1.87 L₹2.69 L₹82,211₹14.10 L₹1.87 Cr

About EPF

Employee Provident Fund is a retirement savings scheme for salaried employees. Both employee and employer contribute 12% each of basic salary.

  • Interest Rate: 8.25% p.a. (FY 2024-25)
  • Employee Contribution: 12% of Basic+DA
  • Employer to EPF: 3.67% (rest 8.33% to EPS)
  • Tax: Interest tax-free if service >5 years
  • VPF Option: Voluntary contribution up to 100% of basic