EPF Calculator — Employee Provident Fund Calculator 2024-25
Calculate your EPF corpus at retirement. See year-wise growth with employee and employer contributions. Current EPF interest rate: 8.25%. Includes salary increment projection.
EPF Calculator
Estimate your EPF corpus at retirement
Basic + DA (EPF wage ceiling: ₹15,000 statutory)
3.67% to EPF, 8.33% to EPS
FY 2023-24: 8.25%
EPF Corpus at Retirement
Total EPF Corpus
₹1,65,38,216
After 33 years
Your Contribution
₹34,58,755
Employer Contribution
₹10,57,803
Total Interest Earned
₹1,20,21,659
Wealth Gained
₹1,20,21,659
Corpus Composition
Year-wise Breakdown
EPF (Employee Provident Fund) - Complete Guide
EPF (Employee Provident Fund) is a retirement savings scheme managed by the EPFO (Employees' Provident Fund Organisation). Both employer and employee contribute a fixed percentage of salary to the EPF account.
EPF Contribution Breakdown
Employee contribution: 12% of Basic + DA → goes entirely to EPF
Employer contribution: 12% of Basic + DA → split as:
• 3.67% → EPF account
• 8.33% → EPS (Employee Pension Scheme, capped at ₹15,000 wage)
EPF Interest Rate History
- FY 2023-24: 8.25%
- FY 2022-23: 8.15%
- FY 2021-22: 8.10%
- FY 2020-21: 8.50%
Tax Benefits of EPF
- Employee contribution up to ₹1.5 lakh qualifies for Section 80C deduction.
- Interest earned is tax-free if contribution continues for 5+ years.
- Withdrawal after 5 years is completely tax-free.
- Interest on contribution above ₹2.5 lakh/year is taxable (from FY 2021-22).
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