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EPF Calculator

Calculate your EPF corpus at retirement with salary growth, employer split (EPF vs EPS), interest compounding, and VPF. See your EPS monthly pension estimate, tax benefits under 80C, and year-by-year growth. Rate: 8.25% p.a.

كيف نحسب هذا - المنهجية والصيغ والمصادر

محفظة EPF عند التقاعد

₹2,29,27,835

33 years of service - 3.6× your contributions

₹
years
years
%
%
%
₹

Contributing 12% of ₹30,000/month for 33 years at 8.25%. Salary grows 5%/year.

مساهماتك

₹34,58,755

15% of corpus

EPF صاحب العمل

₹29,63,953

13% of corpus

الفائدة المكتسبة

₹1,65,05,127

72% of corpus

المعاش الشهري EPS

₹7,071/month

Annual pension
₹84,857/year
Pensionable salary
₹15,000/month (cap ₹15K)
Pensionable service
33 years
Total EPS contributed
₹4,94,802

Formula: (Pensionable Salary × Service) / 70. Pension starts at age 58. Min ₹1,000/month.

تركيب المحفظة

You (15%)
Employer (13%)
Interest (72%)

Interest exceeds contributions

72% of your EPF corpus is interest - compounding is doing the heavy lifting.

كيف تُقسّم نسبة 12% لصاحب العمل

To your EPF account (3.67%+)
₹2,351/month
To EPS pension (8.33%, cap ₹1,250)
₹1,250/month

Since your salary exceeds ₹15,000, EPS contribution is capped at ₹1,250/month. The remainder of employer's 12% goes to your EPF.

المزايا الضريبية (النظام القديم)

Section 80C deduction
₹43,200/year
Year 1 employee contribution
₹43,200/year

EPF has EEE status: contributions get 80C deduction (up to ₹1.5L), interest is tax-free (below ₹2.5L threshold), and withdrawal after 5 years is tax-free.

EPF Corpus Growth

₹0₹20L₹40L₹60L₹80L₹1Cr₹1.2Cr₹1.4Cr₹1.6Cr₹1.8Cr₹2Cr₹2.2Cr₹2.4Cr0yr10yr20yr30yrYears of service
EPF corpus
Total contributions
Interest earned
Year-by-year EPF account growth showing contributions, interest, and balance
YearYouInterestBalance
1₹43,200₹3,273₹74,679
2₹45,360₹9,870₹1,60,275
3₹47,628₹17,413₹2,57,950
4₹50,009₹26,001₹3,68,976
5₹52,510₹35,745₹4,94,746
6₹55,135₹46,763₹6,36,786
7₹57,892₹59,187₹7,96,763
8₹60,787₹73,161₹9,76,504
9₹63,826₹88,842₹11,78,004
10₹67,017₹1,06,402₹14,03,447
11₹70,368₹1,26,028₹16,55,217
12₹73,887₹1,47,925₹19,35,921
13₹77,581₹1,72,318₹22,48,407
14₹81,460₹1,99,451₹25,95,784
15₹85,533₹2,29,592₹29,81,447
16₹89,810₹2,63,032₹34,09,105
17₹94,300₹3,00,090₹38,82,801
18₹99,015₹3,41,115₹44,06,953
19₹1,03,966₹3,86,484₹49,86,375
20₹1,09,164₹4,36,613₹56,26,322
21₹1,14,622₹4,91,951₹63,32,524
22₹1,20,354₹5,52,993₹71,11,230
23₹1,26,371₹6,20,273₹79,69,252
24₹1,32,690₹6,94,378₹89,14,016
25₹1,39,324₹7,75,945₹99,53,616
26₹1,46,291₹8,65,669₹1,10,96,873
27₹1,53,605₹9,64,308₹1,23,53,397
28₹1,61,285₹10,72,686₹1,37,33,660
29₹1,69,350₹11,91,703₹1,52,49,068
30₹1,77,817₹13,22,338₹1,69,12,046
31₹1,86,708₹14,65,657₹1,87,36,125
32₹1,96,043₹16,22,822₹2,07,36,040
33₹2,05,845₹17,95,098₹2,29,27,835

EPF rules: Employee contributes 12% of Basic + DA (can increase via VPF up to 100%). Employer contributes 12% - split between EPF (3.67%+) and EPS (8.33%, capped at ₹15,000 salary). Interest rate: 8.25% p.a. (FY 2025-26), set by EPFO and may change. EPF withdrawal is tax-free after 5 years of continuous service. EPS pension requires minimum 10 years of service, payable from age 58.
كيف نحسب هذا - المنهجية والصيغ والمصادر