EPF / PF Calculator

Estimate PF maturity. Enter your monthly PF contribution (employee + employer to EPF), years and interest rate. FY 2025-26 rate: 8.25%.

Gratuity PPF EPF / PF EMI SIP FD NPS Income Tax HRA

Monthly PF contribution (₹)

₹

Years of investment

yrs

Interest rate (p.a.) %

PF maturity

Total contribution₹ 12,00,000

Interest earned₹ 18,38,301

Maturity amount₹ 30,38,301

Employee 12% + employer 3.67% go to EPF (rest to EPS). Use your combined monthly EPF credit as contribution. Current EPF rate (FY 2025-26): 8.25%.

The Employee Provident Fund (EPF) is India's most popular retirement savings scheme for salaried employees. Managed by EPFO, both employee and employer contribute 12% of Basic + DA every month. The current EPF interest rate for FY 2025-26 is 8.25%.

What is this calculator?

An EPF Calculator estimates the total corpus you will accumulate in your PF account by retirement. It accounts for your monthly contribution, the interest rate, and the number of years of investment. Both employee and employer contributions to the EPF account are considered.

Formula

The EPF grows as a monthly annuity with compound interest:

FV = P × [((1 + i)^n − 1) / i]

Where P = monthly contribution to EPF, i = annual interest rate ÷ 12, and n = total number of months.

Note: Of the employer's 12%, 8.33% goes to EPS (Employee Pension Scheme) and only 3.67% goes to the EPF account. So the total monthly EPF credit = employee's 12% + employer's 3.67% = 15.67% of Basic + DA.

Example

Basic + DA = ₹25,000/month. • Employee contribution: 12% = ₹3,000 • Employer to EPF: 3.67% = ₹918 • Total monthly EPF contribution: ₹3,918 • Rate: 8.25% p.a. • Tenure: 30 years Maturity ≈ ₹58.4 lakh. Of this, total contribution is ₹14.1 lakh and interest earned is ₹44.3 lakh, the power of compounding over decades.

Benefits

✓See how your PF grows over your career. Plan whether it is enough for retirement.
✓Compare scenarios: what if you increase VPF contribution or change jobs less often?
✓Understand the employer split (EPF vs EPS) and how it affects your corpus.
✓Helps decide whether to withdraw PF on switching jobs or let it compound.

Frequently Asked Questions

What is the current EPF interest rate?: The EPFO Central Board of Trustees has set the EPF interest rate at 8.25% for FY 2025-26. This rate is reviewed every year.
Can I withdraw my EPF before retirement?: Partial withdrawals are allowed for specific purposes: medical emergencies, home purchase/construction, education, or marriage. Full withdrawal is possible after 2 months of unemployment or at retirement (age 58).
What happens to my PF when I switch jobs?: Your UAN (Universal Account Number) stays the same. Give your UAN to the new employer and transfer the old PF balance by filing Form 13 (or Form 11 for automatic transfer). Do not withdraw, let it compound.
Is EPF interest taxable?: EPF interest on employee contributions exceeding ₹2.5 lakh per year is taxable from FY 2021-22 onwards. Below that threshold, interest is tax-free.
What is the difference between EPF and VPF?: VPF (Voluntary Provident Fund) lets you contribute more than the mandatory 12%, up to 100% of Basic + DA. VPF earns the same interest rate as EPF and enjoys the same tax benefits.

This calculator assumes a constant contribution and interest rate throughout the tenure. Actual EPF balance depends on salary increments, rate changes, and withdrawals.