Estimate your Employees' Provident Fund (EPF) balance at retirement, factoring in employee and employer contributions, annual salary increments, and compounding interest.
How to Use the EPF Calculator
Enter your "Current Age" and expected "Retirement Age".
Enter your "Current Basic + DA" monthly salary.
Adjust "Employee Contribution (%)" and "Employer EPF Contribution (%)" if different from the defaults (12% employee; employer's 3.67% goes to EPF, the remaining 8.33% of their 12% goes to the EPS pension scheme).
Enter your expected "Annual Salary Increment (%)" and current "EPF Interest Rate (%)".
Optionally enter your "Current EPF Balance (₹)" if you already have one.
Click "Calculate" to see your total contributions, interest earned, and projected EPF balance at retirement.
Frequently Asked Questions
While employers typically contribute 12% of Basic + DA, only 3.67% of that goes into your EPF account. The remaining 8.33% is diverted to the Employees' Pension Scheme (EPS), which is not part of your withdrawable EPF balance.
It calculates contributions year by year, increasing your Basic + DA by your expected annual increment percentage at the end of each year, so later years contribute more than earlier ones.
No. This is a simplified, illustrative year-by-year calculation. The actual EPFO process tracks a running monthly balance and credits interest annually based on the lowest monthly balance rules, which can produce slightly different results.
Yes, it's completely free and requires no sign-up.