EPF Calculator
Employee Provident Fund Calculator. Estimate your retirement corpus.
Your Contribution
₹57,64,592
Employer Cont.
₹17,63,004
Estimated Maturity Amount
₹2,77,53,194
How the EPF Calculator works
The Employees' Provident Fund (EPF) is a retirement scheme where you and your employer each contribute 12% of your basic salary + DA. This calculator projects your EPF corpus at retirement, accounting for annual salary growth and the current EPF interest rate.
Of the employer's 12%, a part goes to EPF and the rest to the pension scheme (EPS). Interest is declared annually by the EPFO. The live rate used here is shown with its verified date.
Frequently asked questions
What is the current EPF interest rate?+
The EPFO declares the EPF interest rate each year; the live figure used here is displayed on the calculator with its verified date.
How much is contributed to EPF?+
Employee contributes 12% of basic + DA; the employer also contributes 12%, split between EPF (3.67%) and the pension scheme EPS (8.33%).
Is EPF taxable?+
EPF is largely tax-free (EEE) if you stay 5+ years. Interest on employee contributions above ₹2.5 lakh per year is taxable, and early withdrawals can be taxed.
Can I withdraw EPF before retirement?+
Partial withdrawals are allowed for specific needs (home, medical, education). Full withdrawal is normally at retirement or after a period of unemployment.