EPF Calculator
Estimate your EPF retirement corpus. Enter your monthly basic salary, contribution rates and years of service to see your provident fund maturity value.
Formula last reviewed 4 August 2026 · How we verify our calculators
EPF corpus
- Total contributions
- ₹11,75,250
- Total interest
- ₹26,83,631
Updates live as you type
Frequently asked questions
The Employees Provident Fund is a mandatory retirement savings scheme for salaried employees. Both you and your employer contribute a percentage of your basic salary each month.
Employees contribute 12% of basic plus DA. The employer also contributes 12%, of which 8.33% goes to the pension scheme (EPS) and 3.67% to EPF. This calculator uses the 3.67% employer share to EPF.
EPF enjoys EEE status if you complete five years of continuous service. Interest on employee contributions above ₹2.5 lakh per year may be taxable under current rules.
Partial withdrawals are allowed for specific needs like a home, medical emergency or education. Full withdrawal is permitted on retirement or after a period of unemployment.
The retirement fund you're already building without noticing
Most salaried Indians never actively decide to save for retirement in their twenties — payroll does it for them, quietly, through EPF deductions on every payslip. Run a ₹25,000 monthly basic salary at the current 8.25% rate across 25 years of service, and those deductions alone total ₹11,75,250 in contributions but grow into a final corpus of ₹38,58,881 — meaning ₹26,83,631, well over double what was actually paid in, arrived purely as interest.
What's actually going into the fund each month
Your monthly contribution is 12% of basic salary plus dearness allowance. Your employer matches that 12%, but not all of it lands here — only 3.67% of the employer's share flows into EPF itself, while the remaining 8.33% is diverted into the EPS pension scheme (tracked separately by the EPS pension calculator on this site). This calculator adds twelve months of combined EPF-bound contributions to the running balance each year, then compounds the whole balance once at the annual EPF rate, repeating that for every year of service you enter.
Why the corpus outruns the contributions so dramatically
Three things compound together here, not just interest: your own 12%, your employer's matching 3.67%, and one of the highest guaranteed rates available on any Indian retirement instrument — all of it EEE-exempt once you've completed five years of continuous service. Because contributions scale automatically with salary, every increment or promotion quietly speeds up the corpus without any active decision on your part, which is part of why EPF ends up as many salaried employees' single largest retirement asset by the time they retire. One caveat worth knowing: this tool uses a simplified annual-compounding model, while your real EPF passbook compounds monthly, so the exact number on your statement may differ slightly — the figure here is a reliable planning estimate, not a substitute for your actual passbook balance.