EPF Calculator

Calculate Employee Provident Fund corpus at 8.25% p.a. (current rate).

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Yrs
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⚠️ Results are indicative only. Consult a qualified professional before making any decisions.

What is this Calculator?

An EPF (Employee Provident Fund) Calculator helps you estimate your PF corpus at retirement. EPF is a mandatory savings scheme for salaried employees in India, where both employee and employer contribute 12% of basic salary each month at the current rate of 8.25% p.a.

Governed by the Employees' Provident Funds & Miscellaneous Provisions Act, 1952, and administered by the Employees' Provident Fund Organisation (EPFO). The interest rate is revised annually by the EPFO's Central Board of Trustees — check epfindia.gov.in for the current declared rate.

How to Use

1
Enter Monthly Basic Salary: Enter your current monthly basic salary (e.g. ₹30,000).
2
Enter Years of Service: Enter the total number of years you plan to work (e.g. 25 years).
3
View Results: See Employee Contribution, Employer Contribution, and Total EPF Corpus.

Frequently Asked Questions

EPF (Employee Provident Fund) is a retirement savings scheme for salaried employees. Both employee and employer contribute 12% of basic salary monthly. The current interest rate is 8.25% p.a.
The employer contributes 12% of basic salary — but only 3.67% goes to EPF. The remaining 8.33% goes to EPS (Employee Pension Scheme), capped at ₹1,250/month.
EPF withdrawal is tax-free if withdrawn after 5 years of continuous service. Early withdrawal (before 5 years) is taxable and subject to TDS.
The current EPF interest rate is 8.25% per annum for FY 2025-26. It is declared annually by the EPFO.
Yes, partial withdrawal is allowed for specific purposes like home purchase, marriage, medical emergency, and education. Full withdrawal is allowed after 2 months of unemployment.
UAN (Universal Account Number) is a 12-digit unique number allotted to every EPF member. It remains the same throughout your career even if you change jobs.

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