Loading...
Calculate your EPF corpus at retirement. Free Employee Provident Fund calculator with employee and employer contributions.
Calculate your Employee Provident Fund corpus
PF wage ceiling is ₹15,000/month for mandatory coverage.
Both employee (12%) and employer (3.67% PF + 8.33% EPS) contributions are included. Interest rate for FY 2025-26 is 8.25% p.a.
Total EPF Corpus
Employee Share
₹4,32,000
Employer Share
₹4,32,000
Interest Earned
₹13,38,616
The Employees Provident Fund (EPF) is a mandatory retirement savings scheme where both employer and employee contribute 12% of basic salary and DA. EPF earns 8.25% p.a. (FY 2025-26) compounded annually.
Use our EPF Calculator to get accurate results instantly. You may also want to explore our PPF Calculator or Salary Calculator.
The calculator takes your basic salary and current PF balance, applies monthly contributions from both employee and employer, and compounds the balance annually at the EPF interest rate.
Enter your values
Input your epf calculator parameters including principal amount, interest rate, and tenure.
Adjust parameters
Use the sliders or numeric inputs to fine-tune your values for accurate results.
View results
Your results update in real-time showing EMI, total interest, and total payment.
Explore details
Check the amortization schedule, charts, and download the PDF report for your records.
Employee: 12% of basic. Employer: 3.67% to EPF (rest 8.33% to EPS). Interest on total EPF balance is calculated annually.
1Monthly basic: ₹50,000
2Employee PF: ₹6,000/month
3Employer EPF: ₹1,835/month
4Total monthly EPF: ₹7,835
5Current balance: ₹5,00,000
6After 30 years at 8.25%: ~₹1.5 crore
Estimated Corpus: ~₹1.5 crore
Our EPF Calculator uses the standard formula adopted by all major Indian banks and financial institutions. The calculation engine processes your inputs in real-time with 99.9% accuracy. All formulas are verified against official bank calculation methods and regulatory guidelines.
Last reviewed: 2026-06-13. We update our calculations whenever regulatory changes occur (tax slabs, interest rates, TDS rules, etc.).
Find answers to common questions about this calculator below.
Employee contributes 12% of basic salary to EPF. Employer contributes 12% - 8.33% goes to EPS (pension) and 3.67% to EPF. Interest (typically 8-8.5%) is compounded annually.
The EPF interest rate for FY 2025-26 is 8.25% per annum, declared by the EPFO. Interest is calculated on the monthly running balance and credited annually.
8.25% p.a. for FY 2025-26. Historically 8.25-8.65%.
Yes, partial withdrawals: home up to 90% after 3 years, education/marriage up to 50% after 7 years, medical up to 6 months salary, unemployment full withdrawal after 2 months.
Transfer using UAN online via EPFO portal. Tax-free transfer.
Mandatory for employees earning up to ₹15,000/month in covered establishments. Higher earners can join voluntarily.
On monthly running balance, credited annually. Opening balance earns full-year interest; contributions earn from month deposited.