🔐 Retirement Planning

EPF / PF Calculator — Provident Fund Corpus

Calculate your EPF corpus at retirement with year-by-year breakdown. FY 2026-27 rate.

💼 Your Details

How EPF works: Employee contributes 12% of Basic+DA. Employer contributes 12% — of which 8.33% goes to EPS (pension) and 3.67% goes to EPF. Current EPF interest rate: 8.25% p.a. (FY 2026-27)

📅 Year-by-Year EPF Growth

YearBasicEmp ContribEmpr ContribEPF Balance
EPF Corpus at Retirement
₹0
at age 60
₹0
Your Total
₹0
Employer Total
₹0
Interest Earned
0 yrs
Working Years
Monthly contribution breakdown:

EPF Rules You Should Know

Eligibility: Any establishment with 20+ employees must enroll in EPF. Employee earning basic salary up to ₹15,000/month must mandatorily contribute. Above ₹15,000, it is optional but highly recommended.

Withdrawal rules: Full EPF withdrawal is allowed only after 2 months of unemployment or at age 58. Partial withdrawal is allowed for medical emergency, home loan, marriage, education after specific service periods.

Tax benefits: Employee EPF contributions up to ₹1.5L qualify for Section 80C deduction. Interest earned is tax-free. Maturity amount is tax-free if you have 5+ years of continuous service.

Current interest rate: EPFO declared 8.25% for FY 2024-25, credited annually. This is one of the best guaranteed returns available in India for a tax-free instrument.

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Kaise use karein

  1. Current basic salary aur age enter karein.
  2. Current EPF balance aur retirement age set karein.
  3. Expected corpus automatically calculate hoga.

Privacy & security

EPF 8.25% guaranteed return deta hai — compounding ka effect long term mein bahut powerful hota hai. Retirement planning ke liye exact corpus estimate zaroori hai.

Common use cases

Salaried employees — retirement pe kitna EPF milega, job change ke baad transfer karein ya nahi, VPF add karein ya nahi — informed decisions karein.