PF / EPF Calculator
Estimate your EPF (Employee Provident Fund) corpus at retirement by entering your basic salary, DA, current EPF balance, age, and expected salary growth rate. See yearly EPF contributions and projected balance.
EPF Rates
Employee contribution: 12%
Employer EPF: 3.67%
Interest rate: 8.25% p.a.
Enter your salary and age details to project your EPF corpus at retirement.
Features
- Employee (12%) and employer (3.67% EPF + 8.33% EPS) contribution breakdown
- Current EPF interest rate (8.25% for FY2023-24)
- Year-by-year EPF balance projection
- Accounts for annual salary increments
- Instant results — no data stored or sent
Frequently Asked Questions
What is EPF?
EPF (Employee Provident Fund) is a compulsory retirement savings scheme for employees in India earning up to ₹15,000 basic salary (mandatory) or any amount (voluntary). Both employee and employer contribute 12% of basic salary + DA each month.
What is the current EPF interest rate?
The EPFO declared an interest rate of 8.25% for FY2023-24. The rate is revised annually by the EPFO Central Board of Trustees.
How is employer EPF contribution split?
The employer's 12% contribution is split into 3.67% to the EPF account and 8.33% to the EPS (Employee Pension Scheme). Only the EPF portion (3.67%) earns interest and accumulates in your EPF balance.
When can I withdraw my EPF?
Full EPF withdrawal is allowed after retirement (age 58) or after remaining unemployed for more than 2 months. Partial withdrawals are allowed for specific purposes like home loan, medical emergency, or marriage.