Calculator
EPF calculator
The salaried Indian's bedrock. Watch monthly deductions compound for decades.
Salaried: you put 12% of basic+DA; employer matches 12% (8.33% to EPS pension + 3.67% to EPF). Enter the combined EPF portion here.
Maturity ₹1.50 Cr (₹45.00 L deposits + ₹1.05 Cr interest)
Hover any bar for the yearly breakup. Current rate 8.25% (FY26, ratified Jun 2026). EPF is EEE for most employees; interest on employee contributions above ₹2.5L/year is taxable.
What this calculator answers
A ₹15,000 monthly EPF deposit at 8.25% for 25 years grows to about ₹1.50 crore, of which ₹45,00,000 is deposits and ₹1,04,60,976 is interest. Enter the monthly deposit and years of service to project the balance.
How it is calculated
Each month's deposit is added to the running balance and the balance then grows at one-twelfth of the annual rate, so interest compounds monthly at 8.25% by default and is shown year by year.
The 8.25% default is the EPFO rate for FY2025-26. Enter the combined EPF portion: you contribute 12% of basic plus DA and the employer matches 12%, of which 8.33% goes to the EPS pension and 3.67% to EPF.
Common questions
Which part of my salary should I enter?
Only the EPF portion. Of the employer's 12% match, 8.33% of salary goes to the EPS pension and 3.67% to EPF, so the EPF deposit is your 12% plus the employer's 3.67%.
Is the EPF balance taxed?
EPF enjoys exempt-exempt-exempt treatment for qualifying service, and contributions count towards the ₹1.5 lakh 80C cap in the old regime.
Can I model a salary that grows each year?
Not directly — this projection uses one flat monthly deposit. A rising salary is approximated by entering a higher average deposit over the same number of years.
What EPF interest rate does this use?
8.25% per annum by default (the EPFO rate for FY2025-26). EPFO declares the rate every year, so if a new rate is announced, change it in the calculator — the monthly-compounding maths stays the same.
Does EPF compound monthly or yearly?
Monthly. Each month's deposit joins the balance and the whole balance grows at one-twelfth of the annual rate, which is why starting early matters more than the exact rate.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.