EPF Calculator
Free EPF calculator: enter basic salary + DA, your and your employer's contribution, age and interest rate to project your PF corpus at retirement.
EPF Calculator — Project Your Employee Provident Fund Corpus
Employee Provident Fund (EPF) is the retirement backbone for most salaried Indians. You and your employer each contribute a share of your basic salary plus DA every month, and EPFO credits interest once a year at the rate it declares. Our EPF Calculator projects your corpus at retirement from your salary, the contribution rates, your age and the interest rate you expect.
Enter your basic salary plus DA, both contribution rates, your current and retirement age, and the interest rate. See your projected EPF corpus, total contributions, and interest earned, with a year-by-year table. No signup, no cost.
How to Calculate EPF
1. Basic Salary
Enter your monthly basic salary plus DA. EPF contribution is calculated on this, not on CTC.
2. Contribution Rate
The calculator starts at the usual split: 12% from you and 3.67% from your employer into EPF, both on your full basic salary plus DA. The rest of the employer’s 12% goes to the pension scheme (EPS), which isn’t included; the pension share stops at ₹2,083 a month (8.33% of the ₹25,000 wage ceiling), so on a higher salary the rest goes into EPF. Change either rate if yours differs.
3. Age and Interest Rate
Set your current age, the age you plan to retire and the interest rate you expect. The calculator keeps your salary the same every year.
4. View Corpus
See total EPF corpus at retirement, contributions made, and interest earned over the years.
EPF Calculator Features
Employee + Employer Split
See your own contributions, your employer’s EPF contributions and the interest earned as separate totals.
How Interest Is Added
Interest is worked out on the monthly running balance and credited once a year, as EPFO does: the opening balance earns interest for all 12 months, and each month’s contribution from the following month to the end of the year.
Year-Wise Projection
A row for every year to retirement, showing your contribution, your employer’s contribution, the interest earned and the closing balance.
VPF Top-up
Set your own contribution above 12% (up to 100%) to see what Voluntary Provident Fund contributions add to your corpus.
Visual Breakdown
A chart shows how much of your corpus comes from you, from your employer and from interest.
Free and Private
No signup, no tracking. Runs entirely in your browser.