See how big your Employee Provident Fund will grow by the time you retire.
Simplified model: total EPF contribution is taken as 15.67% of basic + DA (employee 12% + employer 3.67%). The employer's remaining 8.33% goes to the EPS pension scheme and is not counted in this corpus.
EPF corpus at retirement
₹1,16,81,794
in 30 years · approx ₹1.17Cr
The Employee Provident Fund (EPF) is India's flagship retirement-savings scheme for salaried workers. Every month a slice of your basic salary is set aside, matched by your employer, and grown at an interest rate fixed each year by the EPFO. Because contributions rise with your salary and interest compounds year after year, even a modest monthly deduction can build into a substantial tax-free corpus by retirement. This EPF calculator projects that corpus from your current age, salary, existing balance and expected pay increases.
Each month, 12% of your basic salary plus dearness allowance (DA) goes into EPF from your side. Your employer also contributes 12%, but 8.33% of that is diverted to the EPS pension scheme, so only 3.67% actually lands in your EPF account.
Monthly EPF = 15.67% × (basic + DA)
The calculator simulates every year until retirement: your basic grows by the annual increase you set, twelve months of contributions are added, and the EPFO interest rate is applied to the running balance. Starting from your current EPF balance, it compounds forward to show your final corpus, split between what you and your employer paid in and the interest it earned.
Planning your full retirement picture? Pair this with the PPF calculator and the retirement calculator to see how your savings add up together.
The Employee Provident Fund is a government-backed retirement savings scheme managed by the EPFO. It is mandatory for most salaried employees at companies with 20 or more staff, with both the employee and employer contributing every month toward a lump sum paid out at retirement.
You contribute 12% of your basic salary plus DA each month. Your employer matches 12%, but 8.33% of the employer share is routed to the EPS pension scheme, leaving 3.67% for your EPF. This calculator models a combined 15.67% flowing into the EPF corpus.
The EPFO reviews the EPF interest rate every year. It has recently hovered around 8.25% per annum. Interest is credited annually and is tax-free, which is why the default in this calculator sits near that level, though you can change it to test other scenarios.
EPF is tied to salaried employment with employer matching, making it ideal while you work a job. PPF is open to anyone, has a 15-year lock-in and a fixed government rate, and suits the self-employed or those wanting extra tax-free savings. Many people use both to diversify their retirement corpus.
The full balance can be withdrawn at retirement (age 58) or after two months of unemployment. Partial withdrawals are allowed earlier for specific needs such as a home purchase, medical emergencies, higher education or marriage, subject to EPFO rules and service-period conditions.
Interest accrues on the running monthly balance through the year, but the EPFO credits it as a single entry at the end of the financial year once the rate is declared. Because the credited interest then joins your balance, it compounds year on year — this calculator models that annual crediting on your combined contributions.
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