Reviewed by Artha Research·Last updated 8 April 2026
EPF Calculator
Project your retirement EPF corpus based on basic salary, rate, and salary growth.
EPF details
Project your EPF corpus across your contribution years — employee + employer + interest.
EPF corpus at retirement
₹2.3Cr
₹2.28Cr at retirement
Over 30 years of contributions from both employee and employer at 8.25%, with 7% annual salary growth.
EPF is tax-free under Section 10(12) after 5 years of service. Don't withdraw it when switching jobs.
Years contributing
30 yrs
Employee contribution
₹54.4L
Employer contribution
₹16.6L
Interest earned
₹1.6Cr
Retirement corpus
₹2.3Cr
EPF balance over time
Year-end balance across the contribution period.
EPF builds a meaningful retirement corpus
At a 25+ year horizon with steady contributions, EPF alone can build a crore-plus corpus. Combined with PPF and equity, it's a solid base.
Salary growth is doing the heavy lifting
At 7%+ annual salary growth, contributions compound alongside the rate. Even a small EPF rate edge over PPF adds up meaningfully.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
At a glance
- What it does
- Projects your Employees' Provident Fund (EPF) corpus at retirement, modelling annual compounding at the current EPFO rate with salary growth over time.
- Current rate
- 8.25% per year (FY 2024-25, announced annually by EPFO).
- Typical output
- ₹40,000/month basic with 7% annual growth over 30 years builds an EPF corpus of ~₹1 Cr — entirely tax-free after 5 years of service.
- Best used for
- Sizing retirement corpus against the EPF contribution stream, and comparing VPF top-ups to alternative investments.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Each year: employee contributes 12% of basic; employer contributes 3.67% of basic to EPF (the rest goes to EPS).
- Balance += total contributions; then balance += balance × rate.
- Basic salary grows each year at the stated annual growth rate.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Employer's 12% is split into 3.67% EPF + 8.33% EPS (Employees' Pension Scheme). EPS is not modelled here.
- Interest is compounded annually on the end-of-year balance.
- EPF is tax-free under Section 10(12) after 5 years of continuous service.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Why does my employer's EPF contribution look small?
Out of the employer's 12% of basic, only 3.67% goes to EPF. The remaining 8.33% is routed to EPS (pension scheme). This tool only tracks the EPF portion because EPS maturity is calculated differently.
Should I contribute more via VPF?
Voluntary PF (VPF) lets you contribute beyond the mandatory 12% at the same EPF rate. Since EPF currently pays 8.25% tax-free, VPF beats most FD-like alternatives on a post-tax basis.
What happens if I withdraw EPF when switching jobs?
Withdrawing before 5 years of total service makes the balance taxable. Transfer it to your new employer's EPF account instead — it's a single UAN-linked transfer.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
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