EPF Calculator
With ₹30,000 basic + DA rising 5% a year and 8.25% interest, your EPF balance could reach about ₹1.61 crore after 30 years.
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Employees contribute 12% of basic salary plus DA to EPF. The employer also contributes 12%, of which up to 8.33% of wages (capped at ₹15,000) goes to the pension scheme (EPS) and the rest to EPF.
Example
With ₹30,000 basic + DA, 5% yearly increases and 8.25% interest over 30 years, the EPF balance could reach about ₹1,60,92,843.
EPF Calculator scenarios
| Starting basic + DA | 10 years | 20 years | 30 years |
|---|---|---|---|
| ₹15,000 | ₹5.77 lakh | ₹23.57 lakh | ₹71.17 lakh |
| ₹25,000 | ₹11.14 lakh | ₹44.20 lakh | ₹1.31 crore |
| ₹50,000 | ₹24.58 lakh | ₹95.77 lakh | ₹2.81 crore |
| ₹1,00,000 | ₹51.45 lakh | ₹1.99 crore | ₹5.80 crore |
What changes the result
- Basic salary plus DA — EPF is a percentage of it, not of your CTC.
- Salary increases over your career.
- The EPF interest rate declared each year (8.25% for FY 2024-25).
- Withdrawals or gaps in employment, and voluntary contributions (VPF) above 12%.
How to use this calculator
- Enter your current monthly basic salary plus DA.
- Enter your expected yearly salary increase.
- Enter the EPF interest rate and years until retirement.
- Read the projected EPF balance and the total contributed.
EPF Calculator FAQs
Is the EPF interest rate fixed?
No. It is declared every financial year. Change the rate in the calculator to test different scenarios.
Does this include the pension (EPS)?
No. The EPS share goes towards a monthly pension and is not part of the EPF balance.
Is EPF interest taxable?
Interest is tax-free on contributions up to ₹2.5 lakh a year (₹5 lakh where the employer does not contribute). Interest on employee contributions above that limit is taxable each year.
Is an EPF withdrawal taxable?
Withdrawals after 5 years of continuous service are tax-free. Earlier withdrawals are generally taxable, and TDS applies above ₹50,000 if PAN is provided and no exemption applies.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.