EPF Calculator
Project your Employees’ Provident Fund corpus at retirement from salary and contributions.
PF is worked out on basic salary plus dearness allowance, not on your CTC.
Shown in your EPFO passbook or the UMANG app.
8.25% is the EPFO rate declared for 2024-25 and retained for 2025-26.
Enter your salary and age
Your projected EPF corpus, contributions, interest and a year-by-year balance appear here.
Runs entirely in your browser. Your data isn't uploaded — this page makes no network request with anything you type or upload, which you can verify in your browser's network tab. How this works.
What is the EPF Calculator?
An EPF calculator estimates how much will be in your Employees’ Provident Fund account when you retire. Enter your monthly basic salary plus dearness allowance, your age, the age you plan to retire at, your current EPF balance and the raise you expect each year, and it projects the corpus year by year — what you put in, what your employer puts in and how much interest the fund earns on top.
It follows the EPFO rules most salaried employees are under. You contribute 12% of basic plus DA. Your employer also contributes 12%, but 8.33% of wages up to ₹15,000 — at most ₹1,250 a month — goes to the Employees’ Pension Scheme rather than your EPF account, so the calculator only counts the rest. Interest is worked out monthly on the running balance and credited at the end of each year, the way EPFO does it. Nothing you enter leaves your browser.
How to use it
- Enter your monthly basic salary plus DA (from your payslip, not your CTC).
- Enter your current age and the age you expect to retire at — 58 by default.
- Add your current EPF balance from the EPFO passbook, if you have one.
- Set the yearly raise you expect and, if it changes, the EPF interest rate.
- Read your corpus at retirement and the year-by-year balances; press Copy for a summary.
Example
A 30-year-old on ₹30,000 basic + DA, retiring at 58, with ₹2 lakh already saved.
Basic + DA: ₹30,000 a month Age: 30, retiring at 58 Current balance: ₹2,00,000 Yearly raise: 5% Interest: 8.25%
EPF at retirement: ₹1,49,57,477 Your contributions: ₹25,22,992 Employer to EPF: ₹21,02,992 Interest earned: ₹1,01,31,494 Paid into EPS: ₹4,20,000
Features
- Employee and employer contributions split exactly as EPFO does
- EPS pension share (up to ₹1,250 a month) kept out of the corpus
- Annual salary increases built into every year’s contributions
- Interest calculated monthly and credited yearly, as EPFO does
- Year-by-year table of salary, contributions, interest and balance
- Editable interest rate, defaulting to the current 8.25%
- Nothing is uploaded — your salary stays in your browser