EPF Calculator (Employees' Provident Fund)
You and your employer each contribute 12% of basic + DA; up to ₹2,083 a month of the employer's share (8.33% of wages up to ₹25,000) goes to EPS (pension), the rest to EPF.
EPF interest for FY 2025-26 is 8.25%, calculated on the monthly running balance and credited yearly.
How to use the EPF Calculator
- Enter your monthly basic + DA and current EPF balance.
- Enter your age and retirement age.
- Set the expected annual salary increase.
- Keep 8.25% or enter a different interest assumption.
- Toggle EPS membership and the ₹15,000 wage ceiling if your employer restricts PF to it.
Examples
Basic ₹15,000, 1 year
Input: ₹15,000 basic, 8.25%
Result: ₹2,350/month credited; ≈ ₹29,460 after 1 year
Frequently asked questions
How much of the employer's 12% goes to EPF?
8.33% of wages up to ₹25,000 (max ₹2,083 a month) goes to the Employees' Pension Scheme. The ceiling was ₹15,000 (max ₹1,250) until 16 September 2026; the remainder of the employer's 12% goes to your EPF account. If you are not an EPS member, the full 12% goes to EPF.
What is the EPF interest rate?
8.25% for FY 2025-26, confirmed by the Finance Ministry in June 2026. The rate is declared each year after the year ends.
Is EPF interest taxable?
Interest on employee contributions above ₹2.5 lakh a year (₹5 lakh where there is no employer contribution) is taxable. Withdrawals after 5 years of continuous service are generally tax-free.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-30 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.