EPF Calculator

Calculate your Employee Provident Fund corpus at retirement. See how your 12% and your employer's 12% grow over time, the EPF vs EPS split, your estimated monthly pension, VPF impact, and Section 80C tax savings. Current rate: 8.25% p.a. (FY 2025-26).

EPF Corpus

₹2.3Cr

₹
years
years
%
%
%
₹

Contributing 12% of ₹30,000/month for 33 years at 8.25%. Salary grows 5%/year.

EPF Corpus at Retirement

₹2,29,27,835

33 years of service — 3.6× your contributions

Your contributions

₹34,58,755

15% of corpus

Employer EPF

₹29,63,953

13% of corpus

Interest earned

₹1,65,05,127

72% of corpus

EPS Monthly Pension

₹7,071/month

Annual pension
₹84,857/year
Pensionable salary
₹15,000/month (cap ₹15K)
Pensionable service
33 years
Total EPS contributed
₹4,94,802

Formula: (Pensionable Salary × Service) / 70. Pension starts at age 58. Min ₹1,000/month.

Corpus Composition

You (15%)
Employer (13%)
Interest (72%)

Interest exceeds contributions

72% of your EPF corpus is interest — compounding is doing the heavy lifting.

How Your Employer's 12% Is Split

To your EPF account (3.67%+)
₹2,351/month
To EPS pension (8.33%, cap ₹1,250)
₹1,250/month

Since your salary exceeds ₹15,000, EPS contribution is capped at ₹1,250/month. The remainder of employer's 12% goes to your EPF.

Tax Benefits (Old Regime)

Section 80C deduction
₹43,200/year
Year 1 employee contribution
₹43,200/year

EPF has EEE status: contributions get 80C deduction (up to ₹1.5L), interest is tax-free (below ₹2.5L threshold), and withdrawal after 5 years is tax-free.

EPF Corpus Growth

₹0₹20L₹40L₹60L₹80L₹1Cr₹1.2Cr₹1.4Cr₹1.6Cr₹1.8Cr₹2Cr₹2.2Cr₹2.4Cr0yr10yr20yr30yrYears of service
EPF corpus
Total contributions
Interest earned
Year-by-year EPF account growth showing contributions, interest, and balance
YearYouInterestBalance
1₹43,200₹3,273₹74,679
2₹45,360₹9,870₹1,60,275
3₹47,628₹17,413₹2,57,950
4₹50,009₹26,001₹3,68,976
5₹52,510₹35,745₹4,94,746
6₹55,135₹46,763₹6,36,786
7₹57,892₹59,187₹7,96,763
8₹60,787₹73,161₹9,76,504
9₹63,826₹88,842₹11,78,004
10₹67,017₹1,06,402₹14,03,447
11₹70,368₹1,26,028₹16,55,217
12₹73,887₹1,47,925₹19,35,921
13₹77,581₹1,72,318₹22,48,407
14₹81,460₹1,99,451₹25,95,784
15₹85,533₹2,29,592₹29,81,447
16₹89,810₹2,63,032₹34,09,105
17₹94,300₹3,00,090₹38,82,801
18₹99,015₹3,41,115₹44,06,953
19₹1,03,966₹3,86,484₹49,86,375
20₹1,09,164₹4,36,613₹56,26,322
21₹1,14,622₹4,91,951₹63,32,524
22₹1,20,354₹5,52,993₹71,11,230
23₹1,26,371₹6,20,273₹79,69,252
24₹1,32,690₹6,94,378₹89,14,016
25₹1,39,324₹7,75,945₹99,53,616
26₹1,46,291₹8,65,669₹1,10,96,873
27₹1,53,605₹9,64,308₹1,23,53,397
28₹1,61,285₹10,72,686₹1,37,33,660
29₹1,69,350₹11,91,703₹1,52,49,068
30₹1,77,817₹13,22,338₹1,69,12,046
31₹1,86,708₹14,65,657₹1,87,36,125
32₹1,96,043₹16,22,822₹2,07,36,040
33₹2,05,845₹17,95,098₹2,29,27,835

EPF rules: Employee contributes 12% of Basic + DA (can increase via VPF up to 100%). Employer contributes 12% — split between EPF (3.67%+) and EPS (8.33%, capped at ₹15,000 salary). Interest rate: 8.25% p.a. (FY 2025-26), set by EPFO and may change. EPF withdrawal is tax-free after 5 years of continuous service. EPS pension requires minimum 10 years of service, payable from age 58.