Banking
EPF Calculator
Projects your EPF (Employee Provident Fund) maturity corpus from your basic salary and remaining working years.
Your details
₹
yrs
yrs
%
%
Projected EPF corpus
₹1,22,46,144
Total contributions
₹37,47,948
Interest earned
₹84,98,196
Assuming your basic salary rises 5%/year, your EPF corpus at age 58 could be around ₹1,22,46,144.
Total₹1,22,46,144
- Contributions₹37,47,948
- Interest₹84,98,196
How this is calculated
Combined employee + employer contribution ≈ 15.67% of basic (12% employee + 3.67% employer, excluding the EPS-diverted portion), stepped up annually with your assumed increment, compounded monthly at the EPF rate.
Source: EPF rate is declared annually by EPFO; default shown is illustrative — verify the current rate.
Frequently asked questions
EPF vs PF Calculator — what's the difference?
Same underlying scheme — this version additionally models your basic salary rising over your career, rather than assuming a flat basic throughout.
Can I withdraw EPF before retirement?
Partial withdrawals are allowed for specific purposes (home purchase, medical emergencies, education) after certain service milestones; full withdrawal is available after 2 months of unemployment or at retirement.
Is employer EPF contribution part of my CTC?
Yes — see our CTC Calculator, which includes employer PF as a cost-to-company component.