EPF Calculator

by
EPF Calculator (Employee Provident Fund)
Estimate your EPF corpus over time based on monthly basic salary, contributions, increments, and interest rate.
EPF is calculated on basic + DA (usually capped as per rules)
₹
Standard rate is 12% of basic
For simplicity, treated as full EPF contribution
Total working years with EPF
Used to increase basic salary every year
As notified by EPFO (e.g. 8–9%)
Projected EPF corpus
₹0
Enter your salary and contribution details to see your EPF projection.
Total employee contribution
₹0
Total employer contribution
₹0
Total contribution
₹0
Interest earned (approx.)
₹0
Current monthly EPF (Emp + Empr)
₹0 / month
Contribution period
0 years (0 months)
EPF interest rate: –
Annual increment: –
Note: This is a simplified illustration. Actual EPF balances depend on EPFO rules, wage caps, EPS allocation, and changes in interest rate.

About This EPF Calculator

This EPF (Employee Provident Fund) calculator helps you estimate the retirement corpus you can build from regular EPF contributions. It considers your monthly basic salary, employee and employer contribution rates, yearly increments, and the EPF interest rate.

How to Use

  • Enter your monthly basic salary + DA that is eligible for EPF.
  • Set your employee and employer contribution percentages (12% is common).
  • Choose the number of years you expect to contribute to EPF.
  • Add an expected yearly salary increment (for future basic salary growth).
  • Set the EPF interest rate (as per latest EPFO notification).
  • Click “Calculate EPF” to see estimated contributions, interest, and total corpus.

Assumptions & Notes

For simplicity, this calculator treats the full employer contribution as going into the EPF balance and earning interest. In reality, a portion of the employer contribution may go to EPS (pension) and wage caps can apply. The model compounds contributions monthly using the annual EPF interest rate.

This tool is for planning and education only. It is not investment, tax, or legal advice. Please consult a qualified professional or a SEBI-registered advisor for decisions about your retirement and EPF withdrawals.