EPF Calculator
Estimate your Employee Provident Fund (EPF) corpus at retirement. Includes employer and employee contributions and annual interest.
Educational estimate. Calculator results are for planning and information only, not financial, tax, medical, legal, or engineering advice. Verify important decisions with official sources or a qualified professional.
EPF Calculator
Employee Provident Fund corpus estimator
📋 How to Use
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1
Enter your monthly basic salary and dearness allowance.
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2
Provide your current age and existing EPF balance.
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3
Set the expected annual salary growth and the current EPF interest rate.
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4
Retirement is assumed at 58 years.
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View the projected corpus you will have at retirement.
Building Your Retirement Nest Egg with EPF
The Employee Provident Fund (EPF) is a mandatory savings scheme for salaried employees in India. Both the employee and the employer contribute 12% of the basic salary towards this fund.
While your entire 12% goes to EPF, the employer's 12% is split: 3.67% goes to EPF and 8.33% goes to the Employee Pension Scheme (EPS). This calculator focuses on the EPF component and its compounding growth.
🔬 Methodology & Accuracy
Formula: Uses the standard mathematical formula shown in the Formula & Method section above. All computations run client-side in your browser — no data is sent to our servers.
Data sources: Tax bands, contribution limits and regulatory rates are taken from official US (IRS, SSA) and UK (HMRC, gov.uk) publications for the current tax year, and updated when bands change.
Last reviewed: May 2026 · Accuracy: Results are precise to two decimal places using IEEE-754 double-precision arithmetic. Intended for educational and planning use only.
For informational purposes only. Results are estimates based on the inputs and formulas provided. For financial, tax, medical, or legal decisions, consult a qualified professional. Rates and regulations change — always verify current figures with official sources.