EPF Calculator: Provident Fund Balance at Retirement
Enter your monthly basic + DA, age, retirement age and current PF balance. The calculator adds your 12%, the employer's EPF share and yearly interest.
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EPF at retirement
₹1,20,78,820
- Your contribution
- ₹25,22,992
- Employer share in EPF
- ₹18,23,272
- Interest earned
- ₹77,32,557
- In words
- 1.21 crore
Uses 8.25% every year. Out of the employer's 12%, 8.33% of wages up to the ceiling goes to the pension scheme (EPS), about ₹6,99,720 in total here, and is not part of this balance.
Year by year
| Year | Age | Contribution | Interest | Balance |
|---|---|---|---|---|
| 1 | 31 | ₹61,410 | ₹2,744 | ₹64,154 |
| 2 | 32 | ₹65,730 | ₹8,230 | ₹1,38,114 |
| 3 | 33 | ₹70,266 | ₹14,534 | ₹2,22,915 |
| 4 | 34 | ₹75,029 | ₹21,743 | ₹3,19,687 |
| 5 | 35 | ₹80,030 | ₹29,950 | ₹4,29,667 |
| 6 | 36 | ₹85,281 | ₹39,259 | ₹5,54,206 |
| 7 | 37 | ₹90,794 | ₹49,779 | ₹6,94,780 |
| 8 | 38 | ₹96,583 | ₹61,635 | ₹8,52,999 |
| 9 | 39 | ₹1,02,662 | ₹74,960 | ₹10,30,621 |
| 10 | 40 | ₹1,09,045 | ₹89,899 | ₹12,29,565 |
| 11 | 41 | ₹1,15,746 | ₹1,06,612 | ₹14,51,923 |
| 12 | 42 | ₹1,22,783 | ₹1,25,271 | ₹16,99,977 |
| 13 | 43 | ₹1,30,172 | ₹1,46,065 | ₹19,76,214 |
| 14 | 44 | ₹1,37,930 | ₹1,69,201 | ₹22,83,346 |
| 15 | 45 | ₹1,46,076 | ₹1,94,904 | ₹26,24,326 |
| 16 | 46 | ₹1,54,629 | ₹2,23,417 | ₹30,02,372 |
| 17 | 47 | ₹1,63,610 | ₹2,55,007 | ₹34,20,989 |
| 18 | 48 | ₹1,73,040 | ₹2,89,964 | ₹38,83,994 |
| 19 | 49 | ₹1,82,942 | ₹3,28,605 | ₹43,95,540 |
| 20 | 50 | ₹1,93,338 | ₹3,71,272 | ₹49,60,151 |
| 21 | 51 | ₹2,04,255 | ₹4,18,340 | ₹55,82,746 |
| 22 | 52 | ₹2,15,717 | ₹4,70,216 | ₹62,68,679 |
| 23 | 53 | ₹2,27,753 | ₹5,27,344 | ₹70,23,776 |
| 24 | 54 | ₹2,40,390 | ₹5,90,204 | ₹78,54,369 |
| 25 | 55 | ₹2,53,659 | ₹6,59,321 | ₹87,67,349 |
| 26 | 56 | ₹2,67,591 | ₹7,35,264 | ₹97,70,204 |
| 27 | 57 | ₹2,82,220 | ₹8,18,654 | ₹1,08,71,078 |
| 28 | 58 | ₹2,97,581 | ₹9,10,162 | ₹1,20,78,820 |
How to use
- Enter your monthly basic pay + DA and your current EPF balance.
- Enter your age, retirement age and expected yearly salary increase.
- Under More options, change the rate, your contribution or the EPS wage ceiling if needed.
Good to know
You contribute 12% of basic + DA (10% in a few establishments). The employer also pays 12%, but 8.33% of wages up to the wage ceiling goes to the Employees' Pension Scheme (EPS) and only the rest goes to your EPF. The Union Cabinet raised the ceiling from ₹15,000 to ₹25,000 from 17 September 2026, so the EPS share can now be up to about ₹2,083 a month.
EPF interest for FY 2025-26 is 8.25%, as declared by EPFO and ratified in 2026. Interest is worked out monthly on the running balance and credited once a year; the calculator does the same and assumes the rate stays at 8.25%.
EPF is tax-free on withdrawal after 5 years of continuous service. Interest on your own contributions above ₹2.5 lakh a year is taxable. The pension from EPS is separate and is not included here.
Questions
What is the current EPF interest rate?
8.25% for FY 2025-26. EPFO declares a new rate every year.
How much of the employer's 12% goes to EPF?
12% of basic minus the EPS share, which is 8.33% of wages up to the ceiling (now ₹25,000). On ₹30,000 basic, about ₹1,517 a month goes to EPF.
Does VPF increase my corpus?
Yes. Enter your total contribution (e.g. 20%) to include voluntary PF. VPF earns the same rate.
Is the EPS pension included?
No. This shows only the EPF balance. EPS pays a monthly pension based on service and pensionable salary.
Is my data stored?
No. Your salary details stay on your device.