EPF Calculator
Estimate your Employee Provident Fund (EPF) accumulation at retirement. Input your basic salary details, contributions rates, salary hikes, and calculate your final pension corpus.
Retirement Parameters
Retirement Corpus Dashboard
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Yearly EPF Growth Ledger Table
| Year | Age | Annual Salary | Contrib (EE+ER) | Interest | End Balance |
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How to use EPF (PF) Calculator
Enter your Basic Salary + Dearness Allowance (DA).
Input your current age and intended retirement age.
The tool calculates your 12% contribution, the employer's 3.67% EPF share, and standard interest accumulation over your career.
Why use our EPF (PF) Calculator?
Current EPFO Interest Rates
Calculations are based on the latest declared Employees' Provident Fund Organisation (EPFO) annual interest rate (e.g., 8.25%).
EPS vs EPF Split
Accurately separates the employer's 12% contribution into the 8.33% EPS (Pension Scheme) and 3.67% EPF buckets.
100% Secure & Private
All processing happens in your browser. Your files are never uploaded to our servers, guaranteeing absolute privacy and security.
Lightning Fast
Because everything runs locally on your device, processing is instant. No waiting in queues or dealing with slow uploads.
Frequently Asked Questions
How is interest calculated on EPF?
Interest is calculated monthly on the opening balance, but it is credited to your account only once a year (annually) at the end of the financial year. The monthly interest earns compound interest in subsequent years.
Can I contribute more than 12%?
Yes, through VPF (Voluntary Provident Fund), you can contribute up to 100% of your Basic+DA. However, the employer is only obligated to match up to 12% (subject to the ₹15,000 wage ceiling limit).
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