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.

＋Equis / Investment Analytics
verifiedGovt Rate (Q3 2026): 8.25% p.a.
Monthly Basic Salary
₹
Investment Tenure
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.

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.