Saving-Scheme Calculators
EPF Calculator
Project your EPF corpus at retirement with salary growth.
Based on
EPF @ 8.25% p.a. (FY 2025-26)
Adjust inputs below
About the EPF Calculator
Enter basic + DA, age, expected salary growth, current balance and EPF rate. The calculator splits the employer share into EPF and EPS and projects the EPF balance at 58.
EPF Calculator
How the calculation works
Monthly credit = 12% employee + (12% − EPS) employer; interest on running balance at rate/12.
| Assumption | Value |
|---|---|
| Current rate | 8.25% p.a. (FY 2025-26) |
| Tenure | Till retirement (58) |
| Minimum | 12% of basic + DA |
| Maximum | Statutory; VPF up to 100% |
| Tax | EEE (conditions apply) |
Read the full Employees’ Provident Fund (EPF) guide →
Ready reckoner
| Basic + DA | Employee 12% | Employer to EPF | Employer to EPS | Total to EPF/month |
|---|---|---|---|---|
| ₹15,000 | ₹1,800 | ₹550 | ₹1,250 | ₹2,350 |
| ₹30,000 | ₹3,600 | ₹2,350 | ₹1,250 | ₹5,950 |
| ₹50,000 | ₹6,000 | ₹4,750 | ₹1,250 | ₹10,750 |
EPS contribution is capped at 8.33% of ₹15,000.
Frequently asked questions
Is EPS included?
No — EPS is a pension fund, shown separately.
Information is for education and comparison. Interest rates are notified by the Government every quarter and scheme rules can change — confirm with India Post, your bank, EPFO or PFRDA before investing. FinancePortal is not a financial or tax adviser.