💼 Free Online Tool · Updated FY 2025-26
EPF / PF Calculator
Corpus · Pension · VPF · Withdrawal
Calculate your EPF maturity corpus, monthly contributions, interest earned and year-wise projection — based on current EPFO rules and 8.25% interest rate for FY 2025-26.
📦 EPF Corpus Calculator
Basic Salary + DA (Monthly)
₹5K₹2L
Current Age
1857
Retirement Age
5060
Annual Salary Increment
0%30%
ℹ️EPF interest rate: 8.25% p.a. (FY 2025-26, as declared by EPFO). Employee contribution: 12% of Basic+DA. Employer contribution: 3.67% to EPF + 8.33% to EPS.
Employee Monthly Contribution (12%)₹4,200
Employer to EPF (3.67%)₹1,285
Employer to EPS (8.33%)₹1,250
Total Monthly to EPF₹5,485
EPF Maturity Corpus
₹48.6L
at age 58 · 30 years tenure
52%
Interest
Employee Contribution₹15.1L
Employer Contribution₹8.3L
Interest Earned₹25.2L
Total Corpus₹48.6L
📅 Year-wise EPF Projection
| Year | Age | Basic Salary | Emp Contrib (₹) | Empr Contrib (₹) | Interest (₹) | Balance (₹) |
|---|
📐
EPF Contribution Rules
Contributions are calculated on Basic Salary + DA. Both employee and employer contribute 12% each.
Employee: 12% → EPF
Employer: 3.67% → EPF
Employer: 8.33% → EPS (max ₹1,250/mo)
Interest: 8.25% p.a. (FY2025-26)
Ceiling: EPS wage cap ₹15,000/mo
Employer: 3.67% → EPF
Employer: 8.33% → EPS (max ₹1,250/mo)
Interest: 8.25% p.a. (FY2025-26)
Ceiling: EPS wage cap ₹15,000/mo
💡
VPF — Boost Your Corpus
Voluntary Provident Fund (VPF) lets you contribute more than the mandatory 12% — earning the same 8.25% tax-free interest.
Max VPF: 100% of Basic+DA
Benefit: Deduction under Section 80C
Interest: Same as EPF (8.25%)
Tax on maturity: Fully exempt if contribution ≤ ₹2.5L/yr
Benefit: Deduction under Section 80C
Interest: Same as EPF (8.25%)
Tax on maturity: Fully exempt if contribution ≤ ₹2.5L/yr
🏛
EPS Pension Formula
The Employees' Pension Scheme gives a monthly pension post-retirement based on service years and pensionable salary.
Formula: (Pensionable Salary × Service) ÷ 70
Pensionable Salary: Avg of last 60 months, max ₹15,000
Min pension: ₹1,000/month
Eligible: 10+ years service, age 58+
Pensionable Salary: Avg of last 60 months, max ₹15,000
Min pension: ₹1,000/month
Eligible: 10+ years service, age 58+
Frequently Asked Questions
EPF (Employees' Provident Fund) is a retirement savings scheme managed by EPFO. It is mandatory for all establishments with 20 or more employees. Every employee earning up to ₹15,000/month in basic salary must mandatorily be enrolled. Those earning above ₹15,000 can be enrolled voluntarily.
EPFO has declared an interest rate of 8.25% per annum for FY 2025-26. Interest is calculated on the monthly running balance and credited to the account at the end of the financial year.
EPF interest is tax-free up to contributions of ₹2.5 lakh per year for salaried employees (₹5L for government employees). Interest earned on contributions above this threshold is taxable. The total maturity amount remains tax-free if you complete 5 continuous years of service.
Full withdrawal: On retirement (58 years), 2 months of unemployment, or permanent disability. Partial withdrawal: Allowed for medical emergency (up to 6× monthly wages), house purchase (up to 90% of balance), higher education, marriage, and home loan repayment — all with specific conditions and lock-in periods.
EPF (Employees' Provident Fund) is a savings-cum-retirement corpus where both employee and employer contribute — you get the lump sum on retirement. EPS (Employees' Pension Scheme) is funded only by the employer's 8.33% share (capped at ₹1,250/month) and provides a monthly pension post-retirement. You cannot withdraw EPS as a lump sum unless you have less than 10 years of service.
Yes — via the EPFO Member e-Sewa portal (passbook.epfindia.gov.in) using your UAN, or via the UMANG app, or by giving a missed call to 011-22901406 from your registered mobile. Make sure your UAN is activated and Aadhaar-linked. Need help with EPF compliance? TAXAJ handles it →
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