EPF Calculator
Project your Employees' Provident Fund corpus at retirement. Enter your Basic + DA and contribution to see your maturity amount, total interest and a full year-by-year growth table.
Your details
Your age today, in years.
When you plan to withdraw. Usually 58.
Your Basic pay plus Dearness Allowance — the wage EPF is calculated on, not your full CTC.
Statutory minimum 12%. Raise it to model VPF.
What's already in your account today.
Expected yearly growth in Basic + DA.
EPFO rate for FY 2024-25 was 8.25%.
Year-by-year growth
How your Provident Fund builds up each year — opening balance, contributions paid in, interest credited and the closing balance.
| Year | Age | Opening | Contributions | Interest | Closing |
|---|
How this works
Your EPF grows from two monthly contributions plus interest that compounds every year until you retire. Here's the model.
Two contributions
Each month you put in your chosen % (12% by default) of Basic + DA, and your employer adds 3.67% of the same wage into EPF.
Your salary grows
We raise your Basic + DA by your expected increase every year, so later contributions are larger than early ones.
Interest compounds
Interest accrues on the monthly running balance and is credited at year-end, then compounds the next year — exactly as the EPFO does.
The contribution split we assume
Where the 24% goes
| Employee → EPF | 12% |
| Employer → EPF | 3.67% |
| Employer → EPS (pension) | 8.33% |
Of the employer's 12%, only 3.67% enters your EPF. The 8.33% EPS share (capped at ₹1,250/month on a ₹15,000 wage) funds a monthly pension and is excluded from this corpus.
How interest is credited
Interest is worked out on your balance each month, added once at the end of the financial year, and then earns interest itself the following year. Your maturity corpus is: opening balance + all contributions + all interest.
Assumptions: your employer's EPF share is a flat 3.67% of Basic + DA (accurate when the wage is at or below the ₹15,000 statutory ceiling; above it, your employer's EPF share may be slightly higher because EPS is capped). The EPS/pension portion is excluded. Basic + DA grows at a steady annual rate and the interest rate is held constant. Real EPFO rates are declared yearly and can change. This is a planning estimate — confirm exact figures on your EPFO passbook.
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