Free tool · Salary

EPF Calculator

Estimate your EPF corpus at retirement from your monthly basic salary, years of contribution and the EPF interest rate — with the employee/employer split and interest earned.

Estimate: 12% employee + 12% employer on basic, compounded. Ignores the EPS split & ₹15,000 wage ceiling.

Maturity corpus
₹36,71,027
Your contribution
₹7,20,000
Employer contribution
₹7,20,000
Interest earned
₹22,31,027
Total contribution
₹14,40,000

Frequently asked questions

How is EPF calculated here?

It compounds the combined employee (12%) + employer (12%) contribution on your basic salary monthly at the EPF interest rate. It is a simplified estimate — it ignores the EPS pension split and the ₹15,000 statutory wage ceiling.

What interest rate should I use?

Use the latest EPFO-declared rate (around 8.25%). You can change it to model different scenarios.

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