EPF Calculator

What will your EPF be worth at retirement?

Your current age yrs

Retirement age yrs

Current monthly Basic + DA₹

Expected annual increment%

Current EPF balance₹

EPF interest rate (p.a.)%

Assumed inflation%

Corpus in 30 years

₹0

at retirement

Your contribution

₹0

12% of Basic + DA

Employer's EPF share

₹0

3.67% (rest funds EPS)

Inflation-adjusted corpus

in today's money

Contributed

Interest

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.