Financierly - Visual Finance

EPF Calculator (Employees' Provident Fund)

Estimate your retirement corpus at age 58 with EPFO's 8.25% interest rate & employer share.

12h Auto-Synced EPFO Rate (8.25% p.a.)
Basic pay + Dearness Allowance on which EPF is deducted
₹
₹10,000₹3 L
30 years remaining until EPFO retirement at age 58
Yr
18 Yr57 Yr
12% statutory EPF; increase above 12% to simulate VPF
%
12 %100 %
Expected yearly hike in Basic salary
%
0 %20 %
Existing PF balance in your UAN passbook
₹
₹0₹50 L
Current EPFO declared interest rate is 8.25% p.a.
%
6 %10 %
ContributionsInterest Earned
Total ContributionsInterest Earned
Employee + Employer EPF + Opening₹91,17,374
EPF Interest (@ 8.25%)+₹1,89,42,652
Retirement Corpus at Age 583.08x Wealth
₹2,80,60,026
Real Value (Today's Purchasing Power)₹48,85,535
Adjusted for 6%/yr inflation over 30 yrs

How EPF & EPS Contributions Compound Until Retirement

Each month, your EPF balance grows by your employee contribution plus the employer's EPF portion (12% minus 8.33% EPS capped at ₹1,250/mo), earning monthly running interest credited annually:

Monthly EPF Deposit = (Basic × Employee%) + [Basic × 12% - min(Basic, ₹15,000) × 8.33%]

Frequently Asked Questions

How is employer contribution split between EPF and EPS?

While the employee contributes 12% (or more via VPF) to EPF, out of the employer’s 12% share, 8.33% (capped at ₹15,000 basic salary, i.e., ₹1,250/month) goes to EPS (Employees’ Pension Scheme), and the remaining amount goes into your EPF account.

What is the current EPFO interest rate?

The Employees’ Provident Fund Organisation (EPFO) interest rate is 8.25% p.a., calculated monthly and credited to your passbook at the end of each financial year.

Can I simulate VPF (Voluntary Provident Fund) with this calculator?

Yes. Simply move the "Your Contribution (% of Basic)" slider above 12% (for example, 15% or 20%) to see how extra VPF contributions boost your retirement corpus.