PF / EPF Calculator
Calculate Employee Provident Fund maturity amount, monthly contributions, employer share, EPS pension and total interest for FY 2024-25.
| Year | Age | Monthly EPF | Contribution | Interest | Balance |
|---|
⚠️ This calculator provides estimates based on current EPF rules. Actual corpus may vary based on EPFO interest rate changes, salary structure and contribution history. EPS pension calculation is separate from EPF corpus.
How EPF works in India
The Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India. Both you and your employer contribute 12% of your basic salary each month. The fund earns tax-free interest declared by EPFO every year.
You contribute 12% of (Basic + DA) every month. This entire 12% goes into your EPF account. On a ₹25,000 basic salary, you contribute ₹3,000 per month = ₹36,000 per year.
Employer also contributes 12% of basic, but it splits: 3.67% goes to EPF (your corpus) and 8.33% goes to EPS (Employee Pension Scheme) which gives you a monthly pension after retirement.
Interest at 8.25% is calculated monthly on the running balance and credited annually at year end. Compounding makes this the best risk-free return in India — better than FD and PPF for salaried employees.
EPF is one of few "EEE" investments — Exempt at contribution (80C), Exempt on interest earned, Exempt on maturity. All three stages tax-free, making the effective return much higher than the stated 8.25%.