What is the current EPF interest rate for FY 2025-26?

The EPF interest rate for FY 2025-26 is 8.25% per annum, as declared by the EPFO. This calculator uses this rate by default but allows you to adjust it.

How is the employer contribution split in EPF?

The employer contributes 12% of Basic + DA, but it is split: 3.67% goes to the EPF account (included in your balance) and 8.33% goes to the Employee Pension Scheme (EPS). Only the 3.67% EPF portion grows in your PF account.

How is EPF interest calculated?

EPF interest is calculated monthly on the running balance (opening balance + contributions received that month). The annual rate is divided by 12 for monthly compounding. Interest is credited to the account at the end of the financial year.

Can I withdraw my EPF before retirement?

Partial withdrawals are allowed for specific purposes like home purchase, medical emergencies, or education after completing certain years of service. Full withdrawal is allowed after 2 months of unemployment or at age 58. Early withdrawal may have tax implications.

Is EPF maturity amount taxable?

EPF withdrawals after 5 years of continuous service are completely tax-free. If withdrawn before 5 years, the employer contribution, interest on both contributions, and your contribution (if claimed under 80C) become taxable.

What happens if my salary increases every year?

This calculator includes an annual salary increment option. As your salary increases, your monthly contributions (both employee and employer) also increase proportionally, leading to a significantly higher maturity amount over time.

EPF Calculator India

Calculate your Employee Provident Fund maturity amount at retirement with year-by-year breakdown.

Updated Mar 2026100% Private — runs in browser

100% Private — calculated entirely in your browser

EPF Details

Monthly Basic Salary + DA

Employee Contribution Rate

Default: 12% of Basic + DA

EPF Interest Rate (% p.a.)

FY 2025-26 rate: 8.25%

Current Age

Retirement Age

Annual Salary Increment (%)

Existing EPF Balance (optional)

Employer contributes 12% of Basic + DA, split as 3.67% to EPF and 8.33% to EPS (Pension Scheme). Only the EPF portion (3.67%) is included in your EPF balance.

EPF Maturity Amount at Age 58

₹1.03 Cr

₹1,02,75,280

Your Contribution

₹23.92 L

Employer (EPF)

₹7.31 L

Interest Earned

₹71.52 L

Period

30 yrs

Total Contributions (30.4%)Interest (69.6%)

Contributions Interest

Year-by-Year Growth

Yr 1

₹49,165

Yr 2

₹1.05 L

Yr 3

₹1.68 L

Yr 4

₹2.40 L

Yr 5

₹3.20 L

Yr 6

₹4.10 L

Yr 7

₹5.11 L

Yr 8

₹6.24 L

Yr 9

₹7.50 L

Yr 10

₹8.91 L

Yr 11

₹10.47 L

Yr 12

₹12.21 L

Yr 13

₹14.14 L

Yr 14

₹16.28 L

Yr 15

₹18.64 L

Yr 16

₹21.26 L

Yr 17

₹24.16 L

Yr 18

₹27.36 L

Yr 19

₹30.88 L

Yr 20

₹34.77 L

Yr 21

₹39.06 L

Yr 22

₹43.77 L

Yr 23

₹48.96 L

Yr 24

₹54.67 L

Yr 25

₹60.94 L

Yr 26

₹67.82 L

Yr 27

₹75.39 L

Yr 28

₹83.68 L

Yr 29

₹92.78 L

Yr 30

₹1.03 Cr

Previous Balance Contributions Interest

Key Numbers

Monthly Employee Contribution: ₹3,000
Monthly Employer EPF: ₹918
Monthly EPS (Pension): ₹2,083
Total Monthly to EPF: ₹3,918

Wealth Multiplier

Total You Invested: ₹23.92 L
Employer Added (EPF): ₹7.31 L
Interest Earned: ₹71.52 L
Return on Your Investment: 329.6%

Disclaimer: EPF projections are estimates based on current interest rates and assumptions. Actual EPF interest rates are set annually by the government and may change. Consult your employer or EPFO for exact balance details.

How to Use EPF Calculator India

1
Enter your monthly basic salary plus Dearness Allowance (DA).
2
Set your employee contribution rate (default 12%) and EPF interest rate (default 8.25%).
3
Enter your current age and expected retirement age.
4
Optionally set an annual salary increment percentage and existing EPF balance.
5
View your projected EPF maturity amount prominently displayed.
6
Explore the year-by-year growth chart and detailed table for complete breakdown.
7
Click Copy Results to save or share your EPF projection.

About EPF Calculator India

Plan your retirement with our free EPF Calculator for India. Enter monthly basic salary and DA to see exactly how your Provident Fund grows by retirement.

Key Features

Latest Rate Pre-filled: 8.25% EPF interest rate (FY 2025-26) — adjustable for scenario planning.
Year-by-Year Breakdown: Opening balance, employee (12%) and employer (3.67%) contributions, interest, and closing balance for each year.
Salary Increment: Factor in annual pay raises for accurate long-term projections.
Employer Split Explained: Shows the 3.67% EPF vs 8.33% EPS employer contribution split.
Existing Balance: Add your current EPF balance for a complete retirement projection.

Who Is This For?

Perfect for salaried employees in India planning for retirement and wanting to understand the power of EPF compounding over a career.

Privacy & Security

All calculations happen privately in your browser — no data stored on any server.