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    1. Home
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    4. EPF Calculator

    EPF Calculator

    Project your EPF balance at retirement.

    1. Home
    2. Tools
    3. Financial Tools
    4. EPF Calculator

    Employee Provident Fund (EPF) Calculator

    Estimate your total retirement savings by projecting your EPF corpus growth until you retire.

    EPF Calculator

    Adjust the inputs to see your retirement projection.

    Year-on-Year Growth Projection

    What is the Employee Provident Fund (EPF)?

    The Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India, managed by the Employees' Provident Fund Organisation (EPFO). Both the employee and the employer contribute a portion of the employee's salary (typically 12% of the basic salary + dearness allowance) to the EPF account every month.

    This corpus grows over time with the power of compound interest, which is declared by the EPFO annually. It serves as a significant financial cushion for individuals after retirement.

    How Our EPF Calculator Works

    Our calculator helps you project the future value of your EPF savings at the time of your retirement. By providing a few key details, you can get a clear estimate of your financial standing:

    • Monthly Salary (Basic + DA): This is the foundation of your contribution.
    • Current Age & Retirement Age: This determines the total duration your investment will grow.
    • Your Contribution: Your monthly contribution to the fund (usually 12%).
    • Expected Salary Increase: Factor in annual salary increments to get a more realistic projection of your future contributions and final corpus.

    Frequently Asked Questions (FAQs)

    More Tools in Financial Tools

    What is EPF?

    Employee Provident Fund (EPF) is a retirement savings scheme where both employee and employer contribute. It offers a guaranteed return and tax benefits.

    1Step-by-Step: How to Use This Tool

    1

    Enter

    your basic salary in Basic Salary.

    2

    Set

    your age and retirement age.

    3

    Choose

    your contribution percentage.

    4

    View

    your projected EPF balance at retirement.

    Best Practices for Best Results

    12% contribution

    — employee contribution is 12% of basic.

    VPF option

    — voluntary contribution up to 100%.

    Current rate

    — around 8.25% (check latest).

    Tax benefits

    — eligible under 80C.