EPF Calculator: Your Provident Fund at Retirement

EPF quietly builds a large retirement corpus from your salary. This calculator projects its value over your career.

What is it?

The Employees’ Provident Fund deducts 12% of your basic salary, matched by your employer, earning a government-set interest rate.

How is it calculated?

Each month both contributions are added and the balance earns the EPF rate (currently around 8.25%), compounding to retirement.

Example

On a ₹50,000 basic with standard contributions at 8.25%, the corpus over a long career can run into several crore.

Key things to know

• Interest is tax-free within current limits.
• Withdrawing early breaks compounding — avoid it.
• Use the VPF route to contribute more at the same rate.
• Keep your UAN active across job changes.

What to do next

Track your EPF balance via the EPFO portal or UMANG app.

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Frequently asked questions

How much is contributed?
12% of basic from you, matched by your employer.

Is EPF interest taxable?
Largely tax-free within prescribed limits.

Can I withdraw early?
Only for specific needs; it’s best avoided.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.