Calculator
Project your provident fund corpus at age 58 with salary-growth and compounding factored in.
Corpus at Age 58
₹1,99,53,075
Across 30 more years
Total Interest
₹1,31,29,782
Employee Contribution
₹65,25,113
Employer Contribution
₹1,98,180
EPF portion only (excludes EPS)
Corpus
₹1,99,53,075
Corpus at 58
₹1,99,53,075
EPFO has fixed the interest rate at 8.25% per annum for FY 2025-26 — unchanged from the previous year. The Central Board of Trustees recommends the rate annually, subject to government approval. The interest is credited at year-end and compounds tax-free.
Both employee and employer contribute 12% of basic + DA. Of the employer share, 8.33% (capped on ₹15,000 basic) goes to EPS pension and the rest (3.67%, or higher when basic exceeds ₹15,000) goes to EPF. Interest is paid only on the EPF portion at the announced rate.
Yes — for marriage, education, home purchase, medical emergency, or after two months of unemployment. Partial withdrawal limits depend on the reason and years of service. Full withdrawal is allowed only on retirement (age 58+) or two months of continuous unemployment.
EPF (Employees Provident Fund) is a lump-sum savings corpus that earns interest. EPS (Employees Pension Scheme) is a defined-benefit pension you draw monthly after retirement. The employer contribution is split between the two; the employee contributes only to EPF.
Yes — if you have completed 5 years of continuous service (or transferred the balance during job changes), EPF withdrawal is fully tax-free. Withdrawals before 5 years are taxable as salary income, with TDS at 10% if PAN is provided.
EPF is one of the most underrated wealth-builders for salaried Indians. Both you and your employer contribute 12% of your basic every month, and the entire EPF balance compounds at the government-announced rate (8.25% for FY 2025-26) tax-free if you hold for 5+ years. Over a 30-year career, even modest basic salaries balloon into ₹1+ crore corpus.
The employee's full 12% goes into EPF. The employer's 12% is split — 8.33% (capped on ₹15,000 basic) goes to the EPS pension scheme, and the remainder (3.67% or more if basic exceeds ₹15,000) flows to EPF. This calculator models only the EPF portion; EPS pension is a separate calculation.
Disclaimer:Projections assume the chosen interest rate persists for your entire career. EPFO revises the rate annually based on EPFO's investment yield; long-run average has been close to 8.5%, but past performance does not guarantee future returns.
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