EPF Calculator – Employees Provident Fund Maturity
Calculate your EPF corpus at retirement. Free EPF calculator with employee and employer contributions, interest compounding and a yearly balance table.
Tool
Enter your values and get results instantly.
How to Use
- 1Enter your monthly basic salary + DA\n2. Adjust employee and employer PF rates if needed\n3. Set your current age and retirement age\n4. Optionally enter your current EPF balance\n5. Click Calculate to see your retirement corpus
Benefits
Frequently Asked Questions
How is EPF interest calculated?
EPF interest is calculated on your monthly closing balance but credited yearly (currently 8.25% p.a.). The calculator compounds contributions annually for a close approximation.
What are the employee and employer PF rates?
The employee contributes 12% of basic+DA. Of the employer's 12%, 8.33% goes to EPS (pension) and the remaining 3.67% goes to EPF — which is why 3.67% is the default employer rate here.
Can I withdraw my full EPF balance at retirement?
Yes, the full balance with interest is paid out when you retire after 55 (or earlier under schemes like unemployment withdrawal). You can also keep it invested after switching jobs.
What if my company contributes more than 3.67%?
Some companies contribute more towards EPF. Use the employer rate field to set your actual rate and get a more accurate projection.
Is EPF tax-free?
If you have not withdrawn EPF in the first 5 years, the employer contribution, interest and the final corpus are mostly tax-free. Withdrawals before 5 years are taxed.