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See how your 12% EPF contribution splits between PF and pension, then project your retirement balance at the current EPFO rate with yearly salary growth.
Estimated EPF corpus
โน45,88,362.65
Employee contribution
โน14,40,000
EPF results are estimates for planning and should be checked against current official rules or professional advice where applicable.
Twelve percent of your basic pay leaves your salary for EPF every month, and your employer adds another 12%. Yet not all of the employer's share reaches your provident fund. This EPF calculator separates the pension and provident fund portions. It then projects your balance at retirement.
Take a basic plus DA of Rs 30,000 a month. You contribute 12%, which is Rs 3,600. Your employer also pays Rs 3,600, but 8.33% of the Rs 15,000 wage ceiling goes to EPS. That is Rs 1,250, leaving Rs 2,350 for your EPF account.
| Component | Monthly amount |
|---|---|
| Your share (12% of basic + DA) | Rs 3,600 |
| Employer share to EPF | Rs 2,350 |
| Employer share to EPS | Rs 1,250 |
| Total credited to EPF | Rs 5,950 |
Some employers contribute 12% on your full basic. Others restrict both shares to the Rs 15,000 ceiling. Check your payslip before projecting, because this choice changes the final balance a lot.
EPFO declares the interest rate every year, and it was 8.25% for FY 2024-25. Interest is worked out monthly on the running balance but credited once a year.
Monthly interest = month-end balance x (annual rate / 12)
With Rs 5,950 a month from a zero balance, you deposit Rs 71,400 in year one. Interest at 8.25% comes to about Rs 3,191, so the year-end balance is roughly Rs 74,591. From year two, that interest starts earning interest too.
Now assume the same Rs 30,000 basic rises 5% a year and the rate holds at 8.25%. The EPS share stays fixed at Rs 1,250.
| After | Approximate EPF balance |
|---|---|
| 10 years | Rs 13.8 lakh |
| 20 years | Rs 54.5 lakh |
| 30 years | Rs 1.61 crore |
EPFO has been simplifying its withdrawal categories, and the rate is declared afresh each year. Revisit your EPF calculator projection whenever a new rate is announced. On ToolsMate you can change the rate and salary growth in seconds and see the impact straight away.
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Illustrative EPF corpus uses contribution ร monthly compounding with an assumed annual interest rate.This describes the core logic used by the tool. Check any assumptions that may affect your result.
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Compare important results with an independent or official source.
EPFO set the rate at 8.25% for FY 2024-25, matching the previous year. The Central Board of Trustees recommends the rate and the Finance Ministry approves it. Check the EPFO website for the most recently declared figure.
Because 8.33% of the employer's share goes to the Employees' Pension Scheme. With the Rs 15,000 wage ceiling, that diversion is up to Rs 1,250 a month. Only the remaining amount reaches your EPF account and earns interest.
Interest is tax-free on your own contributions up to Rs 2.5 lakh a year. If your employer makes no contribution, the limit rises to Rs 5 lakh. Interest on contributions above the limit is taxed every year at your slab rate.
Yes, through the Voluntary Provident Fund. You can put in up to 100% of basic plus DA, and it earns the same rate as EPF. Your employer is not required to match anything above the statutory 12% contribution.
Yes, interest generally continues on a non-contributory account until you turn 58. Interest earned while you are not employed is taxable, though. Transferring the balance to your new employer's account through your UAN keeps things cleaner.
EPF is tied to salaried jobs and funded by you and your employer. PPF is open to any resident, has a 15-year lock-in and currently pays 7.1%. EPF usually pays more, but you cannot join it independently.
Generally yes, after a waiting period without employment. A partial withdrawal is allowed sooner, and a full settlement after a longer gap. EPFO revised these waiting periods in 2025, so confirm the current timeline on the EPFO portal before applying.
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