EPF Calculator

Employee Provident Fund calculator with EPF/EPS split

Calculate your EPF corpus, pension & tax savings at retirement.

Monthly Contribution Split₹5,950/mo

Component	Rate	Monthly
Employee → EPF	12%	₹3,600
Employer → EPF	3.67%	₹2,350
Employer → EPS	8.33% (capped)	₹1,250
Total to EPF A/C	—	₹5,950

EPS contribution capped at ₹15,000 basic. Excess goes to EPF.

Monthly Basic + DA (₹)

₹30,000

1000

1000000

Current Age

18–57 years

25 years

Retirement Age

26–60 years

58 years (33y service)

EPF Interest Rate (%)

5–12% (EPFO declared rate)

8.25%

Annual Salary Increment (%)

0–20%

Existing EPF Balance (₹)

₹0

100000000

EPF Maturity Amount

₹2,29,26,399

Employee Contribution

₹34,58,676

Employer EPF

₹29,63,676

Total Interest Earned

₹1,65,04,047

Investment Period

33 years

Final Monthly Salary

₹1,42,948

Visual Analysis

Year-by-Year Breakdown

Period	Age	Monthly Salary	Employee EPF	Employer EPF	Interest	Balance
Year 1	26	₹30,000	₹43,200	₹28,200	₹3,273	₹74,673
Year 2	27	₹31,500	₹45,360	₹30,360	₹9,869	₹1,60,262
Year 3	28	₹33,075	₹47,628	₹32,628	₹17,412	₹2,57,929
Year 4	29	₹34,729	₹50,004	₹35,004	₹25,999	₹3,68,936
Year 5	30	₹36,465	₹52,512	₹37,512	₹35,741	₹4,94,701
Year 6	31	₹38,288	₹55,140	₹40,140	₹46,759	₹6,36,740
Year 7	32	₹40,202	₹57,888	₹42,888	₹59,183	₹7,96,699
Year 8	33	₹42,212	₹60,780	₹45,780	₹73,155	₹9,76,414
Year 9	34	₹44,323	₹63,828	₹48,828	₹88,834	₹11,77,904
Year 10	35	₹46,539	₹67,020	₹52,020	₹1,06,393	₹14,03,337
Year 11	36	₹48,866	₹70,368	₹55,368	₹1,26,018	₹16,55,091
Year 12	37	₹51,309	₹73,884	₹58,884	₹1,47,914	₹19,35,773
Year 13	38	₹53,874	₹77,580	₹62,580	₹1,72,305	₹22,48,237
Year 14	39	₹56,568	₹81,456	₹66,456	₹1,99,436	₹25,95,585
Year 15	40	₹59,396	₹85,536	₹70,536	₹2,29,575	₹29,81,232
Year 16	41	₹62,366	₹89,808	₹74,808	₹2,63,013	₹34,08,861
Year 17	42	₹65,484	₹94,296	₹79,296	₹3,00,069	₹38,82,521
Year 18	43	₹68,758	₹99,012	₹84,012	₹3,41,090	₹44,06,636
Year 19	44	₹72,196	₹1,03,968	₹88,968	₹3,86,457	₹49,86,029
Year 20	45	₹75,806	₹1,09,164	₹94,164	₹4,36,583	₹56,25,939
Year 21	46	₹79,596	₹1,14,624	₹99,624	₹4,91,919	₹63,32,106
Year 22	47	₹83,576	₹1,20,348	₹1,05,348	₹5,52,956	₹71,10,758
Year 23	48	₹87,755	₹1,26,372	₹1,11,372	₹6,20,233	₹79,68,735
Year 24	49	₹92,143	₹1,32,684	₹1,17,684	₹6,94,333	₹89,13,436
Year 25	50	₹96,750	₹1,39,320	₹1,24,320	₹7,75,895	₹99,52,971
Year 26	51	₹1,01,588	₹1,46,292	₹1,31,292	₹8,65,614	₹1,10,96,169
Year 27	52	₹1,06,667	₹1,53,600	₹1,38,600	₹9,64,247	₹1,23,52,616
Year 28	53	₹1,12,000	₹1,61,280	₹1,46,280	₹10,72,619	₹1,37,32,795
Year 29	54	₹1,17,600	₹1,69,344	₹1,54,344	₹11,91,628	₹1,52,48,111
Year 30	55	₹1,23,480	₹1,77,816	₹1,62,816	₹13,22,256	₹1,69,10,999
Year 31	56	₹1,29,654	₹1,86,696	₹1,71,696	₹14,65,566	₹1,87,34,957
Year 32	57	₹1,36,137	₹1,96,032	₹1,81,032	₹16,22,721	₹2,07,34,741
Year 33	58	₹1,42,944	₹2,05,836	₹1,90,836	₹17,94,985	₹2,29,26,399

Voluntary Provident Fund (VPF)

Additional VPF Rate: 0% of basic salary

0% (₹0 / mo)

VPF Rate

Monthly VPF

₹0

Total to EPF

₹5,950

VPF earns the same interest rate as EPF. Employee can contribute up to 100% of basic salary (12% mandatory + extra as VPF). VPF is fully tax-exempt under EEE.

EPS Pension Estimate

Formula: Pensionable Salary × Service ÷ 70

Pensionable Salary (capped ₹15,000): ₹15,000

Pensionable Service (max 35y): 33 years

Minimum Pension: ₹1,000/month

Monthly Pension

₹7,071

Yearly: ₹84,852

Tax Benefits

Tax Bracket: 30%

30%

42.74

Annual employee contribution: ₹43,200

Benefit	Amount
Section 80C Deduction	₹43,200
Taxable Interest (>₹2.5L)	₹0
Total Deduction	₹43,200

Annual Tax Saved

₹12,960

Total Tax Saved

₹4,27,680

Corpus Milestones

₹5L

Year 6 • ₹6,36,740 balance

18%

₹10L

Year 9 • ₹11,77,904 balance

27%

₹25L

Year 14 • ₹25,95,585 balance

42%

₹50L

Year 20 • ₹56,25,939 balance

61%

₹1Cr

Year 26 • ₹1,10,96,169 balance

79%

₹2Cr

Year 32 • ₹2,07,34,741 balance

97%

EPF vs PPF vs NPS

Scheme	Rate	Period	Corpus
EPFCurrent	8.25%	33y	₹2,29,26,399
PPF	7.1%	15y	₹19,13,663
NPS	10%	33y	₹1,85,34,696

Comparison assumes same monthly contribution (₹5,950) across schemes. PPF max tenure is 15 years (extendable in 5-year blocks). NPS assumed at 10% equity-heavy.

Withdrawal Rules

Full Withdrawal

After retirement (58 years) or 2 months of unemployment

Tax-free if 5+ years of continuous service

Partial — Medical

For self/family medical treatment after 7 years

Up to 6× monthly basic salary

Partial — Housing

Home purchase/construction after 5 years

Up to 36× monthly basic or total cost (whichever is lower)

Partial — Education / Marriage

For self/children after 7 years

Up to 50% of employee's share

Partial — Pre-Retirement

1 year before retirement (age 54+)

Up to 90% of total EPF balance

Early Withdrawal (<5 years)

If withdrawing before 5 years of service

Employer's contribution & interest are taxable. TDS applicable.

Quick Facts

EPF Maturity

₹2,29,26,399

Wealth Multiplier

3.6×

EPS Pension / mo

₹7,071

Avg Monthly Interest

₹41,677

Total Tax Saved

₹4,27,680

EPF Rate

8.25%

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