Employee Provident Fund (EPF) Savings Calculator
Project your retirement savings corpus based on employee & employer provident fund contributions and historical interest rates.
Provident Fund Projections
Your retirement savings balance from monthly payroll deductions:
Employee Contributions
The cumulative 12% basic salary deducted from your pay.
Employer Contribution
The 3.67% basic salary portion matching your deposit in the EPF account.
Accumulated Interest
Compound interest paid annually by EPFO.
How is it calculated?
EPF\,Balance = Prev\,Bal + (Empl\,Contr + Emplr\,Contr\,PF) + InterestEmployee contributes 12% of basic salary. Employer matches, with 3.67% going to EPF and 8.33% going to EPS (Pension Scheme). Interest is credited annually.
Worked Examples
EPF Growth with ₹15,000 Basic Salary
With a basic salary + DA of ₹15,000, 12% contribution is ₹1,800/month. Over 25 years with annual salary increases, this builds a retirement wealth of over ₹35 Lakhs.
EPF with ₹50,000 Basic Salary
Monthly contribution of ₹6,000. Over 20 years at a 8.15% interest rate, this yields a retirement savings of over ₹45 Lakhs.
Frequently Asked Questions
Is EPF interest tax-free?
Can I withdraw my EPF money before retirement?
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Results are estimates and should not be considered financial advice.