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EPF / PF Calculator

Calculate your monthly PF contribution, employer share (EPF + EPS), and total retirement corpus

Current rate: 8.25% (FY 2025-26) — EPFO retained this rate from the prior year; FY 2026-27 rate not yet announced
Enter 0 if starting fresh
Your Monthly PF
₹0
Employer EPF
₹0
Employer EPS
₹0
Total Corpus
₹0
Total You Contribute
₹0
Employer Contributes
₹0
Interest Earned
₹0
Year-wise Breakdown
Not professional advice. This calculator is for informational and educational purposes only, based on publicly available rules and rates at the time of writing. It is not a substitute for advice from a qualified chartered accountant, tax professional, or financial advisor — please verify important decisions with one. See our full disclaimer for details.
Last reviewed: October 2026 — rates/slabs checked against official sources. See our methodology.
How EPF works
Employee contributes 12% of Basic+DA to EPF
Employer contributes 12% — split as 3.67% EPF + 8.33% EPS
EPS (pension) is capped at ₹15,000 salary basis
Interest credited annually at EPFO declared rate
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What is EPF Calculator?

Calculate your EPF/PF monthly contribution, employer share, and total retirement corpus with year-wise breakdown. Free EPF calculator for Indian employees. India-specific financial calculators built for the Indian tax system, RBI guidelines, and Indian banking rates. TekPulse's EPF Calculator is completely free — no signup, no ads in results, and no data stored on our servers.

How to Use EPF Calculator Online

  1. Enter your monthly basic salary and DA (Dearness Allowance)
  2. The employee contribution (12% of basic+DA) and employer contribution are calculated automatically
  3. Enter the number of years of service and the current EPF interest rate (default 8.25%)
  4. View the total EPF corpus at retirement with year-wise accumulation chart
  5. Adjust the expected annual salary increment to model more accurate retirement projections

EPF Calculator Formula & Calculation

Employee EPF = 12% of Basic | Employer EPF = 3.67% of Basic | EPS = 8.33% (capped ₹1,250/month)

Total monthly EPF deposit = 15.67% of basic salary. Interest rate = 8.25% p.a. (FY 2025-26), compounded monthly.

Example: Basic = ₹30,000/month. Employee EPF = ₹3,600 | Employer EPF = ₹1,101 | EPS = ₹1,250 (capped). Total EPF credit per month = ₹4,701. After 30 years at 8.25%: Corpus ≈ ₹76 lakh.

Key Factors That Affect Your Result

  1. Basic salary percentage — EPF is calculated on Basic + DA, not gross CTC. A higher basic means more PF but also more HRA exemption potential. Negotiate your salary structure wisely.
  2. Voluntary Provident Fund (VPF) — You can contribute up to 100% of basic + DA voluntarily to EPF at the same 8.25% guaranteed rate. Best tax-free debt instrument available to salaried employees.
  3. EPFO interest rate — Set annually by EPFO. Currently 8.25% (FY 2025-26) — higher than most bank FDs and PPF, with similar EEE tax status. Rate history: 8.1% (FY22), 8.15% (FY23), 8.25% (FY24 and FY25).
  4. Withdrawal rules — Full withdrawal allowed only on retirement (58 years) or 2 months of unemployment. Partial withdrawal allowed for marriage (after 7 years), house (after 5 years), medical (any time). Premature full withdrawal before 5 years of service is taxable.

Why Use TekPulse EPF Calculator?

Runs Entirely in Your Browser
Your salary details are calculated locally — nothing is sent to our servers
100% Free
No hidden charges, no premium tier — always free
Instant Results
Corpus and year-wise growth update as you type
Educational, Not Advice
For planning only — confirm your actual balance with EPFO

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Frequently Asked Questions

EPF (Employees' Provident Fund) is a retirement savings scheme for salaried employees in India. Both you (employee) and your employer contribute 12% of your Basic + DA salary every month to your EPF account.

The EPF interest rate is set by the EPFO each year. It was 8.25% per annum for FY 2025-26 (unchanged from the prior year); the rate for FY 2026-27 had not yet been announced as of this writing. The calculator uses this rate by default, but you can change it to model different scenarios or once EPFO announces a new rate.

No — of the employer's 12%, only 3.67% goes to your EPF account. The remaining 8.33% goes to EPS (Employees' Pension Scheme), capped at a salary of ₹15,000.

EPF contributions up to ₹1.5 lakh/year are tax-deductible under Section 80C. Interest earned is tax-free up to the contribution threshold. Contributions above ₹2.5 lakh/year (employee share only) are taxable from FY 2021-22.

Full withdrawal is allowed at retirement (age 58) or after 2 months of unemployment. Partial withdrawals are allowed for specific purposes like home loan, marriage, medical emergency, and higher education.

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