EPF Calculator India
Calculate Employee Provident Fund corpus and pension benefits
EPF Calculator India
Calculate Employee Provident Fund corpus, pension benefits, and plan your retirement. Know tax benefits and optimal contribution strategy.
EPF Investment Details
Monthly basic salary (EPF applicable on basic + DA)
Existing balance in EPF account
Monthly voluntary contribution (VPF)
Annual salary increment rate
Current EPF rate: FY 2025-26 (8.25% p.a.)
EPF Maturity Results
Total EPF Corpus
After 28 years
Total Contributions
Employee + Employer + VPF + Current
Interest Earned
@ 8.25% compound interest
Monthly Pension (EPS)
After 28 years service
Monthly Contributions
Employee Contribution
12% of basic salary
Employer Contribution
To EPF, after ₹1,250 goes to EPS
Total Monthly
Combined monthly contribution
Tax Benefits (Annual)
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Frequently Asked Questions
How is EPF contribution calculated in India?
EPF contribution is 12% of basic salary + DA from both the employee and the employer. The employee's 12% goes entirely to the EPF account. The employer's 12% is split: 8.33% goes to EPS (pension), but only on wages up to the statutory ceiling of ₹15,000 a month — a maximum of about ₹1,250 a month — and whatever is left of the employer's 12% goes to EPF. So the employer's EPF share is a flat 3.67% only when basic + DA is ₹15,000 or less; above the ceiling it is more. Example: on a basic of ₹50,000, EPS takes 8.33% × ₹15,000 = ₹1,249.50 and the employer's EPF share is 12% × ₹50,000 − ₹1,249.50 = ₹4,750.50 (about 9.5% of basic).
What is VPF and how does it benefit me?
VPF (Voluntary Provident Fund) allows you to contribute more than the mandatory 12%. You can contribute any amount above 12%, which earns the same EPF interest rate and enjoys similar tax benefits, helping build a larger retirement corpus.
When can I withdraw my EPF amount?
You can withdraw full EPF at age 58 or retirement. Partial withdrawals (50-75%) are allowed for specific purposes like home purchase, marriage, medical emergency. Job change allows transfer or withdrawal after 60 days unemployment.
What are the tax benefits of EPF investment?
EPF offers EEE (Exempt-Exempt-Exempt) tax status: contributions up to ₹1.5 lakh qualify for 80C deduction, interest earned is tax-free, and maturity amount is completely tax-free if employed for 5+ years.
How is EPS pension calculated and when does it start?
EPS pension formula: (Pensionable service × Pensionable salary) ÷ 70. Pension starts at age 50 (reduced rate) or 58 (full rate). Pensionable salary is capped at ₹15,000 per month, and maximum service considered is 35 years.