EPF Calculator India: Provident Fund Corpus at 8.25% Interest
Calculate your EPF balance at retirement in India: 12% employee and employer contributions, the EPS share, 8.25% interest for 2025-26 and salary growth.
| Year | Monthly basic + DA | Interest | Balance |
|---|
The EPS share builds a monthly pension, not a lump sum, and is not in the balance. The rate is set every year; 8.25% was kept for 2023-24, 2024-25 and 2025-26.
What it does
The Employees' Provident Fund (EPF) is the retirement savings scheme run by EPFO. The employee pays 12% of basic + DA every month and the employer pays another 12%, of which 8.33% of wages up to ₹15,000 (at most ₹1,250 a month) goes to the Employees' Pension Scheme (EPS) and the rest to EPF. Interest is worked out on the monthly running balance and credited once a year; it was 8.25% for 2025-26. The balance can be withdrawn tax-free after 5 years of continuous service.
How to use it
- Type the monthly basic + DA, your age and the retirement age.
- Add the current balance, the yearly raise and any VPF if you want.
- Read the balance at retirement and the table year by year.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much EPF will I have with a basic of ₹30,000?
You pay ₹3,600 a month and your employer ₹2,350 to EPF plus ₹1,250 to EPS. From age 30 to 58 with no raise, at 8.25%, the EPF reaches about ₹74,17,580.
Why does the employer put less into EPF than I do?
Because 8.33% of wages up to ₹15,000, that is ₹1,250 a month, of the employer's 12% goes to the pension scheme EPS.
Is EPF interest taxable?
Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh without employer contribution) is taxable; withdrawals after 5 years of service are tax-free.
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