EPF Calculator
Project your EPF balance from monthly contributions at 8.25%.
On a ₹50,000 basic, about ₹7,800/month flows into EPF (your 12% plus the employer’s EPF share) — at 8.25% over 28 years with 8% hikes, that’s roughly ₹1.6 crore, tax-free on withdrawal after 5 years of service. It’s the steadiest wealth-builder most salaried Indians have.
How to use the epf calculator
- Enter monthly basic + DA and ages.
- Set hike and interest assumptions.
- See your projected EPF corpus.
EPF Calculator — FAQs
What is the current EPF interest rate?
8.25% for recent financial years, declared annually by EPFO. Interest is tax-free if you complete 5 years of continuous service.
How is EPF contribution split?
You contribute 12% of basic+DA; the employer matches 12% — 8.33% goes to EPS (pension) and 3.67% to your EPF.
Can I contribute more than 12%?
Yes — Voluntary Provident Fund (VPF) lets you add more at the same 8.25% tax-free rate. One of the best fixed-income options available.
What happens when I change jobs?
Transfer the PF to the new employer via Form 13 / UAN. Avoid withdrawing — it breaks the 5-year tax-free clock and kills compounding.
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