EPF calculator

EPF builds up from your contribution and your employer's. The rate for 2025-26 is 8.25% a year. Enter your basic pay to estimate your balance at retirement.

Estimated EPF balance at 58
₹1,06,71,452 (1.07 crore)
Your contributions₹21,02,493 (21.02 lakh)
Employer's EPF share₹16,82,661 (16.83 lakh)
Interest earned₹68,86,298 (68.86 lakh)

Worked example

Basic pay ₹25,000 a month at age 30, 5% yearly pay rises and 8.25% interest: the EPF balance at 58 is estimated at about ₹1.07 crore. More than half of that is interest built up over 28 years.

Source: EPFO, rate of 8.25% for 2025-26. Future rates may differ.

Questions people ask

How much goes into EPF each month?

You pay 12% of basic pay plus DA. Your employer also pays 12%, but 8.33% of wages up to ₹15,000 (at most ₹1,250 a month) goes to the pension scheme (EPS), and only the rest goes to your EPF.

How is EPF interest worked out?

EPFO works out interest monthly on the running balance and credits it once a year, after the government approves the rate.

Is EPF interest tax-free?

Mostly. Interest on employee contributions above ₹2.5 lakh a year (₹5 lakh if the employer does not contribute) is taxable.

When can I withdraw?

In full at retirement (58), or after two months of unemployment. Partial withdrawals are allowed for housing, education, marriage and medical needs, within limits.

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Results are estimates for information only, not financial or tax advice. Rates, rules and limits change, so check with your bank, employer or a qualified adviser before you decide.