My Money

EPF calculator — PF balance at retirement

Every month 12% of your basic goes into EPF, and your employer adds almost as much. Over a career, with tax-free interest, it quietly becomes one of your biggest assets.

₹
PF is worked out on this, not your CTC
 yrs
 %
₹
₹2 lakh
More options
 yrs
In jobs with EPF — they count towards the EPS pension (10 years needed)
 yrs
 %
Extra share of basic you choose to add — earns the same rate
 %
8.25% for FY 2025-26
EPF balance at 58
₹3.27 Cr
Each month now: ₹4,800 from you + ₹4,800 from your employer

Where it comes from

Interest
66%
of the total
You put in
₹54.41 L
Employer put in
₹54.41 L
Interest earned
₹2.16 Cr

Balance by age

0₹1 Cr₹2 Cr₹3 Cr₹4 Cr2933374145495358
EPF balance
You’re not in the pension scheme, so all of your employer’s 12% goes into this EPF balance and there’s no EPS pension. Switch it on under More options if your passbook shows a pension column.
EPF interest is tax-free, except on your own contributions above ₹2.5 lakh a year. Withdrawals after 5 years of continuous service are tax-free.
How it’s calculated

The maths, in plain words

Your share

12% of basic + DA goes from your salary into EPF every month. You can add more through VPF.

Employer’s share

Your employer also pays 12%. If you’re in the pension scheme (EPS), 8.33% of up to ₹25,000 (max ₹2,083/month) goes there and the rest to your EPF. Joined after Sep 2014 on more than ₹15,000? You’re usually not in EPS, and all 12% goes to EPF.

Interest

EPFO works out interest monthly on your running balance and credits it once a year — 8.25% for FY 2025-26.

Questions

People also ask

Your inputs stay on this device. Use Copy link to save or share a calculation.

How much EPF will I have at retirement?
With a ₹30,000 basic at 25, 7% yearly raises and 8.25% interest, about ₹2.7 crore by 58. Your actual figure depends mostly on salary growth and whether you withdraw early.
Why is my employer’s contribution less than mine?
Part of the employer’s 12% — 8.33% of wages up to ₹25,000, so at most ₹2,083 a month — goes to the Employees’ Pension Scheme instead of your EPF account.
Is EPF interest taxable?
Interest is tax-free, except interest on your own contributions above ₹2.5 lakh a year. Withdrawals after five years of continuous service are tax-free.
Understand it

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