EPF Calculator

How to Use EPF Calculator

1. Enter your current age and retirement age (default 58), then your monthly Basic + DA (e.g., ₹30,000).
2. Provide your expected annual salary hike (default 5%) and any current EPF balance; the interest rate defaults to 8.25%.
3. Click Calculate. The tool splits the employer’s 12% contribution — 8.33% of basic (capped at ₹15,000) goes to EPS, the remainder to EPF.
4. View the total corpus, your total contribution, employer’s total, and total interest. Toggle the year‑wise table to see how the balance grows each year.

Benefits of EPF Calculator

• Correctly models the EPS deduction cap (₹1,250/month maximum) so your corpus projection is accurate — unlike simple calculators that ignore this rule.
• Shows the impact of salary hikes and voluntary additional contributions over decades, helping you plan retirement more realistically.
• Year‑wise breakup reveals how much of the final corpus comes from your contributions, employer, and compound interest.
• Completely private; your salary details remain in your browser and are never sent anywhere.

Frequently Asked Questions

How is employer EPF contribution split?

Employer contributes 12% of your basic. 8.33% of basic (capped at ₹15,000 basic) goes to the Employees’ Pension Scheme, and the remaining amount goes to your EPF corpus.

What interest rate does EPF use, and can it change?

The current EPF interest rate is 8.25% per annum, declared annually by the EPFO. The calculator lets you adjust this rate to model different scenarios.

Can I increase my EPF contribution beyond 12%?

Yes, through Voluntary Provident Fund (VPF) contributions, which also earn the EPF interest rate. Increase the basic contribution in the calculator to simulate VPF.

Is EPF Calculator free and private?

Yes — it is 100% free, needs no sign-up, and everything runs in your browser; your data never leaves your device.