EPF Calculator — Provident Fund Balance at Retirement
Project your EPF balance at retirement with salary growth, the current interest rate and the new ₹25,000 wage ceiling.
Free, with no sign-up and no watermark. The file is processed in your browser and never uploaded.
Project your Employees’ Provident Fund balance year by year until retirement. You contribute 12% of basic + DA; your employer’s 12% is split between EPF and the pension scheme (EPS), which takes 8.33% of wages up to the ₹25,000 ceiling.
Interest is credited yearly on your running monthly balance — the way EPFO does it. The default rate is 8.25% (declared for FY 2025-26).
Step by step
- Enter your wages: Type Monthly basic + DA and your Current EPF balance.
- Set ages and growth: Fill in Current age, Retirement age and the yearly salary increase.
- Adjust options: Change the interest rate, and tick whether you’re in EPS and whether your employer pays on full wages.
- Review: The balance at retirement, chart and yearly table update live. Export with Download CSV or Download PDF.
Handy for
Retirement planning
Count your EPF towards a retirement goal.
Job changes
See the value of keeping your PF rather than withdrawing it.
VPF decisions
Test the effect of higher contributions by raising the salary figure.
Salary negotiation
Understand the PF part of your CTC.
Good to know
EPS money builds a pension, not your EPF balance.
Interest above ₹2.5 lakh of your own yearly contribution is taxable.
Future interest rates are assumptions — EPFO declares a new rate each year.
Questions
What is the current EPF interest rate?
8.25% for FY 2025-26, the same as the previous two years.
What changed with the wage ceiling?
From 17 September 2026 statutory contributions are calculated on wages up to ₹25,000 a month instead of ₹15,000.
Can I rely on this for filing or investing?
Use it for planning. Rules, rates and your own circumstances matter — confirm with official sources or a qualified adviser before acting.
Are my numbers sent anywhere?
No. Every calculation runs in your browser; nothing you type is uploaded or stored.
Further reading
- CTC to In-Hand Salary: What Gets Deducted and Why — Work out monthly take-home pay from CTC: employer PF, gratuity, professional tax and TDS explained, with a ₹12 lakh CTC worked example and payslip checks.
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