Rupeemeter

EPF calculator

See how your Employees’ Provident Fund grows until retirement, with your contributions, your employer’s share and interest shown separately.

Updated for FY 2026-27 (tax year 2026-27) ·

Default 8.25%: recommended by the EPFO board for FY 2025-26, not yet notified. Future rates will differ.

PF is calculated on

EPF balance at 58

in future rupees, not adjusted for inflation

  • Contributions₹91,68,328
  • Interest₹1,54,34,419

Year by year

  • Contributions
  • Interest
061.51 lakh1.23 crore1.85 crore2.46 crore30354045505558
Opening balance₹0
Your contributions₹49,34,024
Employer contributions to EPF₹42,34,304
Interest earned₹1,54,34,419
Balance at retirement₹2,46,02,747
Separately paid into EPS (pension)₹6,99,720

Interest on your own contributions above ₹2.5 lakh a year is taxable (Income-tax Act 2025, Schedule II).

What is EPF?

The Employees’ Provident Fund is a retirement savings account run by the EPFO. You and your employer each contribute 12% of your PF wage every month; part of the employer’s share goes to the pension scheme (EPS). The balance earns interest declared every year.

How to use this calculator

  1. Enter your monthly basic pay plus DA (your PF wage).
  2. Set your age, retirement age and current EPF balance (from your passbook).
  3. Adjust the yearly raise and the interest rate you want to assume.
  4. Switch between graph and table to see each year; download the table as CSV.

EPF balance by wage and years to retirement

Starting from zero at 30, 6% yearly raise, 8.25% interest, PF on full wage.

Monthly PF wage10 years20 years30 years
₹25,000₹10.1 lakh₹43.41 lakh₹1.37 crore
₹50,000₹24 lakh₹99.01 lakh₹3.04 crore
₹1,00,000₹51.8 lakh₹2.1 crore₹6.39 crore

How the projection works

Each year: interest = opening balance × r + Σ (month’s contribution × r × months remaining ÷ 12)
Monthly contribution = 12% × wage (you) + 12% × wage − EPS (employer)

Pay rises are applied every April. The ₹25,000 ceiling is used for every future year.

Worked example

Age 28, PF wage ₹40,000 a month, ₹2 lakh already in EPF, 6% yearly raise, 8.25% interest, retiring at 58: estimated balance ₹2.59 crore (₹2,58,71,716), of which interest is ₹1.73 crore.

Assumptions and limits

  • The interest rate stays the same every year. Actual rates are declared yearly.
  • No withdrawals, job gaps or voluntary contributions (VPF).
  • Figures are in future rupees; they are not adjusted for inflation.
  • EPS pension amounts are not calculated here.

Frequently asked questions

How much goes into my EPF every month?

You contribute 12% of your PF wage. Your employer also pays 12%, but up to 8.33% of wages (on wages up to ₹25,000) goes to the Employees’ Pension Scheme instead of your EPF balance.

What changed with the ₹25,000 wage ceiling?

From 17 September 2026 the statutory wage ceiling rose from ₹15,000 to ₹25,000 a month. If your PF is calculated on the ceiling, your and your employer’s contributions rise, and the maximum pension contribution goes from ₹1,250 to ₹2,083 a month.

What interest rate does EPF pay?

The EPFO’s Central Board of Trustees recommended 8.25% for FY 2025-26. The rate is declared every year, so long-term projections are estimates. You can change the rate in the calculator.

Is EPF interest taxable?

Interest on your own contributions above ₹2.5 lakh a year is taxable (Income-tax Act, 2025, Schedule II). Interest within that limit is tax-free.

How is EPF interest calculated?

On the monthly running balance: the opening balance earns a full year’s interest and each month’s contribution earns interest for the months it stays in the account. Interest is credited once a year.