EPF Calculator
See your provident fund balance at retirement at the 8.25% EPF rate, with your share, your employer’s share after the pension (EPS) cut, yearly pay rises and voluntary contributions.
Not your full salary: PF is on basic pay plus dearness allowance.
From your EPFO passbook, if you already have one.
EPF balance at age
about , after
- Balance today
- Your contributions
- Employer’s contributions
- Interest earned
- EPF balance
- In today’s money at inflation
This month: you pay , your employer puts into EPF and into the pension scheme (EPS).
goes to EPS by retirement. It pays a pension from 58 after 10 years of service and is not part of the EPF balance. The EPS share is at most ₹2,083 a month.
Your own contributions pass ₹2,50,000 a year. The interest on the amount above that is taxable each year at your slab rate.
Balance year by year
Contributions Interest
If the rate changes
The EPF rate is set every year. Tap a row to use that rate.
| Rate | Interest | Balance |
|---|---|---|
Enter your basic pay and age to see the result.
Year-by-year table
| Age | Basic / month | You | Employer | Interest | Balance |
|---|---|---|---|---|---|
You pay 12% and your employer 12% of basic pay plus DA; 8.33% of pay up to the ₹25,000 wage ceiling (from 17 September 2026) goes to EPS. Interest is worked out every month at the yearly rate ÷ 12 and added once a year. Assumes the rate, the rules and your job stay the same until you retire, and leaves out the 0.5% EDLI and admin charges your employer pays on top. 8.25% is the rate for 2025-26, last checked 17 October 2026.
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About the EPF Calculator
The EPF calculator works out your Employees’ Provident Fund balance at retirement. Enter your monthly basic pay and DA, your age, your current balance and the pay rise you expect each year. It shows what you and your employer put in, how much of the employer’s share goes to the pension scheme (EPS), the interest earned, and the balance every year.
How to use it
- 1 Enter your monthly basic pay plus dearness allowance.
- 2 Enter your age, the age you plan to retire at, and your current EPF balance if you have one.
- 3 Add your expected yearly pay rise and any voluntary contribution (VPF).
- 4 Read your balance at retirement and the year-by-year table, and copy the share link if you need it.
Frequently asked questions
How is EPF calculated?
You pay 12% of your basic pay plus DA into EPF every month, and your employer pays another 12%. Of the employer’s share, 8.33% of your pay up to ₹25,000 (at most ₹2,083 a month) goes to the Employees’ Pension Scheme, and the rest goes into your EPF account. Interest is worked out monthly on the balance and added once a year.
What is the EPF interest rate?
The EPF interest rate is 8.25% for 2025-26, the same as in 2023-24 and 2024-25. The EPFO board recommends it each year and the Ministry of Finance approves it. The calculator uses the rate you enter for every future year.
What is the new EPF wage ceiling?
From 17 September 2026 the EPF wage ceiling is ₹25,000 a month, up from ₹15,000. Employees earning up to ₹25,000 must be covered, and the EPS share is 8.33% of pay up to ₹25,000, so at most ₹2,083 a month, up from ₹1,250. Some employers pay EPF on the ceiling only; tick that option if yours does.
Is EPF interest taxable?
The interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if your employer does not contribute) is taxable. The calculator warns you when your contribution, including VPF, crosses that. Withdrawals after 5 years of continuous service are tax-free.
What is VPF?
The Voluntary Provident Fund lets you pay more than 12% of your basic pay into EPF, up to 100%. It earns the same interest, but your employer does not match it. Add the extra percentage in the VPF box to see what it adds.
Does the EPS money come back to me?
The EPS share is not part of your EPF balance. It pays a monthly pension from age 58 if you have 10 years of service, or can be withdrawn as a lump sum if you leave before 10 years. The calculator shows how much goes to EPS but leaves it out of the EPF balance.
When can I withdraw my EPF?
You can withdraw it all at 58, or after two months without a job. Partial withdrawals are allowed for a house, medical treatment, marriage or education, subject to EPFO’s rules and years of service.