EPF Calculator

Planning for retirement? Your Employees' Provident Fund (EPF) is a cornerstone of your long-term savings. But how much will you actually accumulate? Our easy-to-use EPF Calculator helps you estimate your retirement savings. It shows how your contributions grow with compounding interest. Use this PF calculator online to get a clearer picture of your financial future.

The provident fund, or PF as it's commonly called, is a corpus that's accessible to you upon retirement. This corpus is built both by contributions from you and your employer over your entire career. You can use this calculator to work out how much money you will have at your disposal

1. Your age: This is used to calculate how many years you have left until retirement, or in other words, the total tenure of your investment
2. Your retirement age: This is capped at 58, but you can voluntarily retire earlier than that. This number minus your age right now gives us the investment tenure.
3. Basic component of your salary: This along with your 'Dearness Allowance' helps us work out the percentage of it that goes towards your PF corpus.
4. Current PF balance: This is used as your starting balance and helps us accurately calculate your final EPF corpus.
5. Expected salary growth: Your monthly PF contribution increases as your salary increases.
6. Expected returns on your PF is fixed at 8.1% per annum currently. This rate is reset every year by the government and has ranged between 8.1% and 8.8% over the last decade.

You can use this calculator to estimate the amount you'd be left with at the end of your career.

Want to save more for retirement? VPF lets you contribute more than the mandatory 12% of your basic + DA—up to 100%—towards your PF account.

• Eligibility: Only EPF-contributing employees can opt for VPF.
• Interest Rate: Same as the EPF interest rate.
• Benefits: A safe way to earn tax-free returns and build your retirement fund.
• Calculation: Just add your VPF percentage to your employee contribution in our calculator.

• Employee Contribution: 12% of (Basic Salary + DA)
• Employer Contribution (EPF): 3.67% of (Basic Salary + DA)
• Employer Contribution (EPS): 8.33% of (Basic Salary + DA), capped at ₹1,250 if salary > ₹15,000
• Total Monthly EPF Deposit: Employee + Employer EPF contribution
• Annual Interest: Earned on the opening balance + monthly contributions at the current EPF rate

• Retirement Planning: Get a realistic estimate of your retirement corpus.
• Goal Setting: Know if you're on track to meet your financial goals.
• VPF Decisions: See how extra contributions affect your savings.
• Motivation: Visualise your long-term savings and stay consistent.
• Accuracy: Avoid errors from manual EPF calculations.