Calculator toolkit
EPF Calculator
Track your provident fund growth, contributions, and retirement corpus.
Employment Details
₹
₹ 10,000₹ 500,000
Yr
Yr 18Yr 58
Yr
Yr 26Yr 65
₹
₹ 0₹ 5,000,000
%
% 0% 25
Retirement Corpus
Estimated Retirement Corpus
₹2,62,26,375
Accumulated by 2059
Interest Earned
₹1,86,98,779
Your Contribution
₹57,64,592
Quick Scenarios & Settings
Contribution Split
Employee (EPF)12% of Salary
Employer (EPF)3.67% of Salary
Employer (EPS)8.33% (Capped)
Interest Rate8.25% p.a.
Understanding EPF Contributions
The Employee Provident Fund (EPF) is a retirement benefit scheme where both the employee and employer contribute 12% of the basic salary plus dearness allowance.
While the entire 12% of the employee contribution goes to the EPF account, 8.33% of the employer contribution is diverted to the Pension Scheme (EPS), and only 3.67% goes to the EPF corpus.
The interest is calculated monthly but credited annually. For FY 2025-26, the interest rate is 8.25%, providing a powerful compounding effect over a long career.