EPF Calculator

Estimate your Employee Provident Fund (EPF) balance at retirement with detailed yearly contribution projections.

Accurate EPF balance estimation
Yearly contribution growth
Visual savings planning
EPF Savings
Personal Details
Years
Enter age (20–60 years).
Your current age.
Years
Enter retirement age (25–65 years).
Age at which you plan to retire (EPF withdrawal age).
Financial Details
₹
Enter salary (₹5,000–₹10,00,000).
Your monthly basic salary plus dearness allowance.
₹
Enter EPF balance (₹0–₹10,00,00,000).
Your current EPF account balance.
%
Enter increment (0–20%).
Expected annual salary increase.
%
Enter interest rate (5–12%).
Annual EPF interest rate (e.g., 8.25% for 2025).

EPF Plan Summary

Total EPF Balance
₹0
Employee Contribution
₹0
Employer Contribution
₹0
Interest Earned
₹0
Steps to EPF Planning
Track Contributions

Monitor your monthly EPF deductions.

Estimate Growth

Project your EPF balance at retirement.

Plan Withdrawals

Strategize EPF use for retirement needs.

Note: Projections are displayed for all years to retirement. Download the CSV for the full projection.
EPF Growth (Pre-Retirement)
YearAgeOpening Balance (₹)Employee Contribution (₹)Employer Contribution (₹)Interest Earned (₹)Closing Balance (₹)

What is EPF?

The Employee Provident Fund (EPF) is a retirement savings scheme in India, managed by the EPFO. Both employees and employers contribute 12% of the basic salary + DA, with contributions earning tax-free interest (e.g., 8.25% in 2025).

EPF ensures financial security for salaried employees, offering a lump sum at retirement. Regular contributions and compounding make it a powerful retirement tool.

Did You Know?

With a ₹25,000 monthly salary at age 30, your EPF can grow to over ₹1 crore by age 58!

Benefits of EPF

Provides a substantial corpus for post-retirement life.

Contributions and interest are tax-exempt under Section 80C.

Employer’s 12% contribution doubles your savings effort.

Frequently Asked Questions

Both employee and employer contribute 12% of basic salary + DA. For salaries ≤ ₹15,000, employer’s contribution splits as 3.67% to EPF and 8.33% to EPS.

You can withdraw your full EPF balance at retirement (age 58) or partially for specific needs (e.g., home loan, medical) after 5–7 years of service.

Interest is calculated annually on the monthly closing balance and credited at the end of the financial year (e.g., 8.25% for 2025).