Our EPF Calculator helps you estimate the growth of your retirement savings by factoring in employee and employer contributions, interest compounding, and salary growth. Whether you are planning ahead for retirement or comparing different savings scenarios, this tool makes it simple to understand your long-term EPF benefits.
Estimate your EPF corpus at retirement with monthly contributions, EPS, interest, and salary increments.
Understanding EPF isn’t just about putting money aside — it’s about knowing how rate changes, pension splits, and contribution caps affect your retirement corpus.
As of FY 2024-25, EPFO interest rate is set at 8.25%. In recent years the rates have moved between ~8.10% to 8.65%, depending on economic factors. :contentReference[oaicite:8]{index=8}
When your employer’s contribution is 12% of your salary, a portion (≈ 8.33%) goes to EPS (Employee Pension Scheme), subject to wage ceiling rules, and the rest (≈ 3.67%) goes into your EPF account. If your basic + DA is over the wage ceiling, EPS portion is computed only up to that limit. :contentReference[oaicite:9]{index=9}
Suppose two employees, A and B, both have a basic + DA of ₹40,000/month. Employee A has ₹40,000 fully considered for EPF, but for EPS the ceiling is ₹15,000, so only ₹15,000 is used for EPS calculation. This means:
- EPS contribution = 8.33% of ₹15,000 = ₹1,250, rest of employer’s contribution (₹3,670 approx) goes to EPF.
- This matters especially if your salary is much higher than ₹15,000.
Employee X starts contributing EPF at age 25, with salary ₹30,000/month, 12% employee + employer contribution, 8.25% interest compounded monthly, salary increase 5% yearly, retires at 60.
Employee Y starts same conditions but at age 35. Even though both retire at 60, Employee X ends up with significantly more corpus — often 30-50% more — due to compounding over those additional early years.
Trusted & reliable guidance with official AMFI registration as a mutual fund distributor.
Mathematically sound, real-time results for all financial scenarios.
All calculators and resources are free to use, forever.
Fill out the form below and I will get back to you with tailored investment guidance.
