Salary
PF Calculator
Projects your PF corpus at retirement from your basic salary and the standard employee + employer contribution rates.
Your details
₹
yrs
yrs
%
Projected PF corpus
₹74,22,881
Total contributions
₹16,92,360
Interest earned
₹57,30,521
At ₹4,701/month combined employee + employer PF contribution, your corpus at age 58 could be around ₹74,22,881.
Assumes employer contributes 3.67% of basic to PF (the remaining 8.33% typically goes to the EPS pension scheme, up to the wage ceiling) — actual employer PF routing can vary.
Total₹74,22,881
- Contributions₹16,92,360
- Interest₹57,30,521
How this is calculated
Monthly contribution = Basic × (employee 12% + employer 3.67%), compounded monthly at the PF rate using the standard SIP future-value formula over your remaining working years.
Source: PF rate is declared annually by EPFO; default shown is illustrative — verify the current rate.
Frequently asked questions
How much do I and my employer contribute to PF?
Both typically contribute 12% of basic + DA — but of the employer's 12%, 8.33% (up to a wage ceiling) is usually diverted to the EPS pension scheme rather than your PF account.
What is the current PF interest rate?
It's declared annually by the EPFO — this calculator defaults to 8.25%, but always check the current declared rate.
Is PF withdrawal taxable?
Withdrawals after 5 years of continuous service are tax-free; earlier withdrawals may attract tax and TDS.