Employees' Provident Fund (EPF) Calculator
Input Details
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₹ 10K
₹ 50K
₹ 1L
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₹
%
Expected average annual increment in basic salary
%
Additional voluntary employee contribution beyond mandatory 12%
%
Statutory Contribution Rules: Employee share is 12% (100% credited to EPF). Employer share is also 12% (3.67% credited to EPF, and 8.33% directed to the Employee Pension Scheme - EPS, subject to statutory limits). The government-notified interest is calculated on monthly running balances and officially credited at the end of each financial year.
EPF Retirement Corpus
₹ 1.84 Cr
in 30 years
Total
₹ 1.84 Cr
Employee Share (12% + VPF)
(26.0%)
Employer Share (3.67% EPF)
(7.9%)
Total EPF Interest Earned
₹ 1.22 Cr
(66.1%)
Initial Monthly Contribution (Employee 12%):
₹ 6,000
Initial Monthly Contribution (Employer 3.67%):
₹ 1,835
Total Monthly EPF Credit (15.67%):
₹ 7,835
Annual EPF Growth & Compounding Chart
Year-on-year breakdown of employee contributions, employer contributions, and cumulative interest growth
Employee Share
Employer Share
Interest Earned
Total Corpus
Year-by-Year EPF Statement
Click on any year to expand or collapse the month-by-month opening balance, contributions, interest, and closing balance.
| Year (Age) | Opening Balance | Employee Share | Employer Share | Annual Interest | Closing EPF Balance | Growth % |
|---|
Key Assumptions
- The current EPF interest rate is assumed at 8.25% p.a., compounded annually (notified periodically by EPFO / Ministry of Labour & Employment).
- Employee contribution is 12% of Basic + DA, and employer contribution allocates 3.67% to EPF and 8.33% to EPS (subject to statutory limits).
- Annual salary increment is compounded yearly on the basic salary.