User Guide
- Enter your values in the fields above.
- Adjust the options to match your scenario.
- Read your results instantly — no button-mashing, no waiting.
About the EPF Calculator
Most people know their PF deduction but have no idea what it becomes. This calculator projects your Employees’ Provident Fund balance to retirement using the way EPFO actually computes it — including the pension split that quietly reduces what lands in your PF account.
The split nobody explains
You contribute 12% of basic plus DA and your employer matches it, so people assume 24% goes into their PF. It does not. The employer’s share is divided: 8.33% of wages up to the ₹15,000 statutory ceiling — a maximum of ₹1,250 a month — is diverted to the Employees’ Pension Scheme, and only the remainder joins your EPF balance.
| On a basic + DA of ₹40,000 | Per month |
|---|---|
| Your contribution (12%) | ₹4,800 |
| Employer contribution (12%) | ₹4,800 |
| — of which to EPS (8.33% of ₹15,000) | ₹1,250 |
| Actually credited to EPF | ₹8,350 |
So on a ₹40,000 basic, ₹8,350 a month reaches your PF account rather than the ₹9,600 the headline percentages suggest. The EPS money is not lost — it funds your monthly pension — but it grows differently and is shown separately in the results.
How interest is calculated
EPFO computes interest on the monthly running balance and credits it once at the end of the financial year. That is why a year of ₹1,00,206 in contributions earns about ₹4,478 rather than a full year’s interest on the closing balance — early months earn for twelve months, the last month earns for one. The rate for FY 2025-26 is 8.25%, notified by EPFO and unchanged for a third consecutive year.
Reading the chart
The stacked bars show your contribution, your employer’s and accumulated interest at every age up to retirement. The shape is the point: for the first decade contributions dominate, then compounding takes over, and by retirement the interest band is usually the largest of the three. Starting at 30 on a ₹40,000 basic with 5% annual growth, roughly two-thirds of the final corpus is interest rather than money you put in.
VPF — the lever most people miss
Anything you contribute above the statutory 12% is Voluntary Provident Fund. It earns the same 8.25%, is equally safe, and needs nothing more than a request to your employer — but it gets no matching increase from them, and it locks the money up until retirement. Raise the contribution percentage in the calculator to see the trade-off between take-home pay now and corpus later.
What this cannot know
The interest rate is declared annually, so a thirty-year projection assumes today’s rate holds — it will not. Salary growth is a straight percentage here, while real careers move in steps. Job changes, PF withdrawals and periods without contribution all reduce the outcome. Treat the figure as a planning estimate, not a promise. Source: EPFO. Pair it with the Salary Calculator to see the deduction inside your payslip, and the Gratuity Calculator for the other retirement payout.
Frequently Asked Questions
How is EPF calculated?
You contribute 12% of basic plus DA and your employer contributes 12%, but 8.33% of wages up to ₹15,000 (maximum ₹1,250 a month) goes to the pension scheme instead of your PF. Interest is calculated on the monthly running balance and credited annually.
What is the EPF interest rate for 2025-26?
8.25% per annum, notified by EPFO — the third consecutive year at that rate. It is declared annually, so long-term projections assume it continues, which is an assumption rather than a certainty.
Why is less than 24% going into my PF account?
Because 8.33% of the employer’s share, capped at ₹1,250 a month, is diverted to the Employees’ Pension Scheme. On a ₹40,000 basic, ₹8,350 reaches your PF rather than ₹9,600.
What is VPF and should I use it?
Voluntary Provident Fund is any contribution above the statutory 12%. It earns the same interest and carries the same safety, but your employer does not match it and the money is locked until retirement. It suits people who want a guaranteed return and do not need the cash now.
How much EPF will I have at retirement?
It depends on basic pay, years remaining, salary growth and the interest rate. Starting at 30 on a ₹40,000 basic with 5% growth, the projection runs to roughly ₹1.8 crore by 58 — of which about two-thirds is interest rather than contributions.
Is my salary data stored?
No. The projection runs entirely in your browser and nothing you enter is uploaded or saved.