EPF Calculator
What will your EPF be worth at retirement?
Simplified: assumes 12% employee + 3.67% employer contribution on Basic + DA every month (the employer's other 8.33% funds the separate EPS pension, not this corpus), interest compounded monthly at the rate you set, and Basic + DA stepping up once a year by your increment. Real EPF also credits interest on the actual monthly running balance per year-end rules and is subject to the wage ceiling for the EPS split on higher salaries — treat this as a close estimate, not a statement.
Tax: EPF is EEE for most people — contributions get 80C (old regime), and both interest and the retirement withdrawal are tax-free after 5 years of continuous service. Two exceptions worth knowing: (1) if your own contribution exceeds ₹2.5L in a financial year, the interest earned on the amount above that limit is taxable at your slab every year (the banner above tracks this from your inputs); (2) withdrawing before 5 years of service makes the corpus taxable and attracts 10% TDS if it exceeds ₹50,000 — submit Form 15G/15H if eligible. Employer contributions above ₹7.5L/yr across EPF+NPS+superannuation are also taxable as a perquisite.