EPF Calculator
Project your Employee Provident Fund corpus at retirement. Free EPF calculator including employee plus employer contributions, salary growth and 8.25 percent interest.
உங்கள் முடிவைக் கணக்கிடுங்கள்
உங்கள் எண்களை உள்ளிடுங்கள். மாற்றும்போது மதிப்பீடும் வரைபடங்களும் புதுப்பிக்கும்.
EPF
நிறுவனத்தின் EPF பங்களிப்பு மட்டுமே இந்த இருப்பில் சேரும். EPS தனியான ஓய்வூதியம்; இங்கு மாதம் ₹1,250 என்ற வரம்பு பயன்படுத்தப்படுகிறது. உறுப்பினர் தகுதியையும் ஊதிய அடிப்படையையும் ஊதியப் பிரிவிடம் உறுதிப்படுத்தவும். வட்டி மாதந்தோறும் சேர்ந்து ஆண்டுதோறும் வரவு வைக்கப்படும். மதிப்பீடு வட்டி வரிக்கு முந்தையது.
- முதிர்வு நிதி
- ₹4,13,59,026
- ₹4.14Cr
- மொத்த பங்களிப்பு
- ₹1,58,62,800
- ஊழியர் ₹81.56L · முதலாளி ₹77.06L
- ஈட்டிய வட்டி
- ₹2,54,96,226
- EPS-க்கான நிறுவனப் பங்களிப்பு
- ₹4,50,000
- EPF முதிர்வுத் தொகையில் சேர்க்கப்படவில்லை
உங்கள் கணக்குகள் சொல்வது என்ன
Interest makes up 62% of your final PF balance.
That is compounding at work: the longer you stay invested without withdrawing, the bigger this share gets.
Your employer adds ₹77.06L to your PF over 30 years.
Another ₹4.5L of the employer's share goes to the EPS pension fund instead of this balance.
In today's money, ₹4.14Cr is worth about ₹72.01L.
We assume 6% yearly inflation over 30 years, which helps judge whether this will cover your retirement needs.
EPF இருப்பு வளர்ச்சி
இதுவரையிலான ஊழியர் + நிறுவன EPF பங்களிப்புகள்; EPS சேர்க்கப்படவில்லை.
வரைபடத் தரவைக் காண்க
| ஆண்டு | மொத்த பங்களிப்பு | முதிர்வு நிதி |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹1,29,000 | ₹1,33,878 |
| 2 | ₹2,69,520 | ₹2,90,756 |
| 3 | ₹4,22,472 | ₹4,73,479 |
| 4 | ₹5,88,864 | ₹6,85,225 |
| 5 | ₹7,69,776 | ₹9,29,509 |
| 6 | ₹9,66,360 | ₹12,10,211 |
| 7 | ₹11,79,864 | ₹15,31,631 |
| 8 | ₹14,11,656 | ₹18,98,547 |
| 9 | ₹16,63,200 | ₹23,16,233 |
| 10 | ₹19,36,056 | ₹27,90,496 |
| 11 | ₹22,31,952 | ₹33,27,796 |
| 12 | ₹25,52,712 | ₹39,35,228 |
| 13 | ₹29,00,328 | ₹46,20,645 |
| 14 | ₹32,76,960 | ₹53,92,722 |
| 15 | ₹36,84,912 | ₹62,60,999 |
| 16 | ₹41,26,704 | ₹72,36,029 |
| 17 | ₹46,05,048 | ₹83,29,433 |
| 18 | ₹51,22,848 | ₹95,53,991 |
| 19 | ₹56,83,272 | ₹1,09,23,810 |
| 20 | ₹62,89,728 | ₹1,24,54,412 |
| 21 | ₹69,45,912 | ₹1,41,62,897 |
| 22 | ₹76,55,784 | ₹1,60,68,050 |
| 23 | ₹84,23,640 | ₹1,81,90,555 |
| 24 | ₹92,54,136 | ₹2,05,53,175 |
| 25 | ₹1,01,52,264 | ₹2,31,80,900 |
| 26 | ₹1,11,23,448 | ₹2,61,01,231 |
| 27 | ₹1,21,73,520 | ₹2,93,44,360 |
| 28 | ₹1,33,08,792 | ₹3,29,43,469 |
| 29 | ₹1,45,36,104 | ₹3,69,35,025 |
| 30 | ₹1,58,62,800 | ₹4,13,59,026 |
உங்கள் கணக்கீட்டைப் புரிந்துகொள்ளுங்கள்
EPF builds a retirement balance from employee contributions and the part of employer contributions credited to EPF. The standard contribution is twelve percent of PF wages from each side, but eligible EPS members have up to ₹1,250 per month of the employer share diverted to a separate pension scheme. EPS does not earn EPF interest and is not part of the EPF maturity shown here. Choose full-wage or ₹15,000-capped contributions to match payroll.
EPF Calculator ஐ எவ்வாறு பயன்படுத்துவது
- 1
Enter your current basic salary
Use monthly PF wages, not CTC. Basic, DA and retaining allowance and any applicable statutory wage adjustment can matter; confirm the contributory wage with payroll. Then choose whether the employer contributes on full wages or the ₹15,000 ceiling.
- 2
Enter expected annual salary growth
Test salary growth suited to your role. An 8–10% scenario is not a forecast; higher wages raise contributions only where the wage ceiling doesn't bind.
- 3
Set the EPF rate
Default to 8.25 percent (FY 2024 to 2025 declared rate). Historical rates have ranged from 8.1 to 8.65 percent over the last decade. Adjust if EPFO declares a different rate for a future year.
- 4
Enter years until retirement
Enter the projection horizon from a zero starting balance. Salary growth is applied after each twelve-month year. EPS membership is assumed unchanged throughout the selected horizon; split projections if membership ends at age fifty-eight.
- 5
Read the maturity corpus
The total corpus at retirement, broken down by your contribution, employer contribution and interest earned. The interest portion is usually the largest component over a long career.
உதாரணம்
₹30,000 basic, 6% yearly hikes, 25 years at 8.25%
Full-wage contributions with EPS membership on. In year one, you put in 12% of ₹30,000 = ₹3,600 a month. The employer's 12% is also ₹3,600, but ₹1,250 goes to EPS (8.33% of ₹15,000, capped at ₹1,250), so ₹2,350 lands in EPF. That's ₹5,950 a month, or ₹71,400 for the year. Interest for year one is ₹5,950 × (0 + 1 + … + 11) × 8.25 ÷ 1200 = ₹2,700, credited in month twelve, so the year-end balance is ₹74,100. Year two starts on a ₹31,800 basic and ends at ₹1,59,693. Carry that on for 25 years and you get the figures below.
- Your contributions
- ₹23,70,168
- Employer EPF share
- ₹19,95,168
- Diverted to EPS (not in corpus)
- ₹3,75,000
- Interest credited
- ₹62,67,048
- EPF balance after 25 years
- ₹1,06,32,384
Interest ends up larger than either side's contributions. The EPS diversion stays flat at ₹1,250 a month, so the employer's EPF share grows more slowly than yours.
எவ்வாறு கணக்கிடப்படுகிறது
The calculator runs month by month. Each month it works out the PF wage (your basic, or min(basic, ₹15,000) if you tick the wage-ceiling option), then your contribution round(wage × 12%) and the employer's total round(wage × 12%). The EPS diversion is min(employer total, round(min(basic, ₹15,000) × 8.33%), ₹1,250), and only the rest goes to EPF. Untick EPS membership and the whole employer 12% goes to EPF.
Interest uses the monthly running balance method: interest for the month = opening balance × annual rate ÷ 1200. It's added to an interest tally, not to the balance, so there's no interest on interest within a year. The month's contributions go in after that, which means a contribution starts earning from the following month.
At month twelve (or the last month of a part year), the tally is rounded to the nearest rupee and credited to the balance. Next year's interest is then calculated on that higher balance, which is how the yearly compounding happens. Your basic rises by the growth rate only after each full twelve months, so contributions step up once a year.
The model starts from a zero balance and assumes the same rate every year. Real EPFO credits follow the rate declared for each year and your actual monthly wage history, so check your passbook for exact figures.
அடிக்கடி கேட்கப்படும் கேள்விகள்
What is the current EPF interest rate?
The model uses the approved FY 2024–25 rate of 8.25%. The Central Board recommended 8.25% for FY 2025–26 on 2 March 2026; final approval isn't verified here. Check the applicable EPFO notification.
How much do I and my employer contribute to EPF?
The usual rate is twelve percent from employee and employer. With full wages of ₹50,000, employee EPF is ₹6,000 and employer EPF is ₹4,750 if ₹1,250 goes to EPS. With the ₹15,000 statutory ceiling, employee EPF is ₹1,800 and employer EPF is ₹550 plus ₹1,250 EPS. Higher-pension and special-rate establishments are outside this model.
Is EPF tax free?
Qualifying withdrawals after five years of continuous service are generally exempt. Employee contributions can qualify for Section 80C under the old regime, not the new. Interest attributable to employee contributions above ₹2.5 lakh a year (₹5 lakh where there is no employer contribution) is taxable. Aggregate employer contributions to EPF, NPS and approved superannuation above ₹7.5 lakh and related accretions can also be taxable. This projection is gross before these taxes.
Can I withdraw EPF before retirement?
Withdrawals depend on eligibility, service and purpose. Permitted partial-withdrawal categories include marriage, education, housing and medical needs. Full withdrawal can apply at age 58 or after qualifying unemployment; check current EPFO rules before relying on access.
What is the EPS pension and how does it work?
EPS is a separate pension based on pensionable salary and service. Up to ₹1,250 monthly from the employer's share goes there, not into EPF. It earns no EPF interest and isn't in this maturity figure. Check pension entitlement separately with EPFO.
Should I voluntarily contribute more to EPF?
VPF allows extra employee contributions; the employer need not match. It earns the EPF rate, but interest attributable to employee contributions above the applicable annual ₹2.5 lakh/₹5 lakh threshold is taxable. This calculator uses the standard twelve-percent employee contribution only.
Is EPF interest taxable above any threshold?
From FY 2021–22, interest attributable to employee contributions above ₹2.5 lakh annually is taxable, or ₹5 lakh without employer contributions. Track the threshold annually, especially with high wages or VPF.