EPF Calculator (Employees Provident Fund)

Calculate your total EPF corpus including both employee and employer contributions at the current 8.25% government rate. Know your retirement savings today.

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FORM EPF · REV. 01

verifiedGovt Rate (Q3 2026): 8.25% p.a.

Monthly Basic Salary

PF calculated on this amount

₹

Investment Tenure

Duration

Years

ASSET

Investment Report

Total Invested₹18,80,400

Returns / Interest Earned₹29,13,350

Your contribution: ₹14,40,000 | Employer (PF share): ₹4,40,400

EPF Corpus₹47,93,750

EQUIS Take (Asli Sach)

Job change karte waqt EPF withdraw mat karo! Interest EEE tax-free hai (upto 2.5L/yr). Isko bas

transfer karo aur retirement tak compounding ka magic dekho.

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The Math Behind EPF Calculator (Employees Provident Fund)

Understanding the true mechanics of this instrument helps you make optimal decisions with your money.

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1. Free Employer Matching

Your employer contributes 12% of your basic salary — but only 3.67% goes to your EPF account. The remaining 8.33% (capped at ₹1,250/month) goes into EPS (Employees Pension Scheme) for a monthly pension after 58.

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2. Tax-Free After 5 Years

EPF withdrawal after 5 years of continuous service is completely tax-free (principal + interest). If you change jobs and transfer your EPF via UAN, the 5-year clock continues unbroken.

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3. High-Earner Tax on Interest

If your EPF contribution exceeds ₹2.5 Lakhs per year (basic salary above ₹1.73L/month), the interest earned on the amount above ₹2.5L becomes taxable. Budget 2021 introduced this rule.

Frequently Asked Questions

What is the difference between EPF and EPS?expand_more

EPF (Employees' Provident Fund) is the retirement savings component where both you and your employer contribute. EPS (Employees' Pension Scheme) is funded by the employer's 8.33% share (capped at ₹1,250/month) to provide a monthly pension after age 58.

Is EPF withdrawal taxable?expand_more

EPF withdrawal is tax-free if you have completed 5 continuous years of service (including across multiple employers if transferred via UAN). Withdrawal before 5 years is fully taxable — including employer contribution and interest.

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