Project your EPF retirement corpus with annual increments and the current 8.25% interest rate. See total employee contribution, employer EPF contribution, and total interest earned over your working years.
EPF is a mandatory retirement savings scheme for salaried employees in India, managed by EPFO. Both you and your employer contribute 12% of Basic + DA each month. The corpus compounds tax-free at a government-declared rate (currently 8.25% per annum).
This calculator models EPF only (using the 3.67% employer share for EPF). EPS provides a separate monthly pension, not modeled here.
EPF is a mandatory retirement scheme. Employee + employer each contribute 12% of Basic+DA. The calculator simulates year-by-year compounding at 8.25% with annual salary increments.
8.25% per annum (FY 2024-25). Declared annually by EPFO and credited on running monthly balance.
12% employer = 3.67% to EPF + 8.33% to EPS (pension, capped at ₹1,250/month). Only EPF portion grows in your PF balance.
Yes, if 5+ years of service completed. Less than 5 years: taxable. Interest beyond ₹2.5L/year on employee contribution is taxable per recent rules for high earners.