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EPF calculator

Your EPF corpus at retirement, the employer's share split into EPF and pension, and an EPS pension estimate.

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40 thousand

30 years of PF from now.

From your EPF passbook.2 lakh

PF counted on

₹25,000 since 17 Sep 2026, ₹15,000 before. Pension share: 8.33% up to this.

Optional, on top of your 12%.

For the pension estimate.

Number format

EPF at age 58

₹2,96,10,598

2.96 crore

Paid in 35%, interest 65%
65%interest

This month

₹4,800

You to EPF

₹2,717

Employer to EPF

₹2,083

Employer to pension

You put inwith today's balance
₹56,40,980
Employer puts in
₹46,91,100
Interest
₹1,92,78,518
EPF at retirement
₹2,96,10,598
EPS pension estimate34 years of service
₹12,252 a month
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Rates as of 13 Nov 2026: EPF 8.25% for FY 2025-26 (EPFO, declared Mar 2026); PF wage ceiling ₹25,000 a month since 17 Sep 2026 (S.O. 5109(E)), ₹15,000 before; EPS 8.33% of wages up to the ceiling.

Year by year

More download formats
₹1,03,32,080 paid in grows to ₹2,96,10,598 by age 58
BalancePaid in
EPF balance by year
AgeYouInterestBalance
2957,60020,5313,10,735
3061,63230,0274,39,030
3165,95240,9975,86,935
3270,56053,6117,56,670
3375,50468,0569,50,738
3480,78484,53911,71,849
3586,4361,03,28614,23,011
3692,4961,24,54817,07,555
3798,9641,48,60120,29,088
381,05,9001,75,74823,91,640
391,13,3042,06,32027,99,572
401,21,2362,40,68332,57,731
411,29,7322,79,24137,71,440
421,38,8043,22,43243,46,484
431,48,5243,70,74249,89,278
441,58,9164,24,70257,06,816
451,70,0404,84,89365,06,793
461,81,9445,51,95573,97,640
471,94,6886,26,58983,88,609
482,08,3087,09,56194,89,790
492,22,9008,01,7121,07,12,306
502,38,5009,03,9641,20,68,274
512,55,19210,17,3231,35,70,985
522,73,06011,42,8941,52,35,003
532,92,17612,81,8841,70,76,243
543,12,62414,35,6141,91,12,109
553,34,51216,05,5292,13,61,666
563,57,92417,93,2102,38,45,728
573,82,98020,00,3842,65,87,076
584,09,78822,28,9422,96,10,598

Contributions are for the 12 months of each year; basic + DA is a month's pay.

How it is calculated

Interest for a year = sum of the 12 month-end balances × rate ÷ 1200

Every month you put 12% of basic + DA into EPF. Your employer puts 12% too, but 8.33% of wages up to the ceiling (₹25,000 from 17 Sep 2026, so ₹2,083 at most; ₹15,000 and ₹1,250 before) goes to the pension scheme and the rest to EPF. EPFO works out interest on the balance at the end of each month and adds the year's total once, on 31 March, so it starts earning from the next year.

Example: basic ₹15,000. You ₹1,800, employer ₹550 to EPF and ₹1,250 to pension, so ₹2,350 a month goes into EPF. Month-end balances add up to ₹2,350 × 78 = ₹1,83,300, and at 8.25% the first year's interest is ₹1,83,300 × 8.25 ÷ 1200 = ₹1,260. The year closes at ₹29,460.

Pension estimate = pensionable salary × years of service ÷ 70. Salary is capped at ₹15,000 for your years before 17 Sep 2026 and at the new ceiling after, averaged by years, service counted up to 35 years and 2 bonus years at 20 years or more. It needs 10 years of service.

EPF interest by year
YearRate
FY 2025-268.25%
FY 2024-258.25%
FY 2023-248.25%
FY 2022-238.15%
FY 2021-228.1%
FY 2020-218.5%
FY 2019-208.5%
FY 2018-198.65%

How to work out your EPF at retirement

  1. Enter your age and pay

    Type your age, the age you plan to retire, and your basic pay plus DA from the payslip.

  2. Add your balance and hikes

    Add today's EPF balance from your passbook and the yearly pay rise you expect.

  3. See the corpus

    Read the EPF amount at retirement, the pension estimate, a chart and a yearly table. Download it as PDF or Excel.

Good to know

  • Your passbook on the EPFO member site shows today's balance and each month's credit.
  • When you change jobs, transfer the old PF to the new account instead of withdrawing it, so it keeps earning.
  • A small VPF of 2 to 5% adds a lot over 25 years at the same rate as EPF.
  • Try a lower rate, such as 7.5%, to check the plan holds if rates fall.
  • Every input is kept in the page link, so Copy link shares the exact plan.

Where people use it

  • Read your payslip

    See where your 12% and your employer's 12% actually go, EPF and pension.

  • Plan retirement

    Add your pay rise and see the PF amount at 58, year by year.

  • Weigh a VPF top-up

    Try 2 or 5% extra and see how much more you get at retirement.

  • Job change

    Check the balance you carry over and why transferring beats withdrawing.

  • Gratuity too

    Leaving after five years or more? Work out the gratuity as well.

    Gratuity calculator with tax-free limit

Why this one

It keeps the pension share apart from your EPF and estimates the pension too, so the corpus is not overstated.

  • Employee, employer EPF and EPS split for this month.
  • Interest on the monthly running balance, as EPFO does.
  • Pension estimate from your years of service.
  • Yearly table and chart, with PDF and Excel.

What you can change

  • Basic + DA, age and retirement age
  • Balance today and yearly pay rise
  • Interest rate
  • PF on full basic or capped
  • Voluntary PF

People find this page by searching

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Cite this tool
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    sdev.in. (n.d.). EPF and PF calculator with EPS pension, year by year [Web tool]. https://www.sdev.in/tools/epf-calculator
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    "EPF and PF calculator with EPS pension, year by year." sdev.in, https://www.sdev.in/tools/epf-calculator.
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  • BibTeX
    @misc{sdev-epf-calculator,
  title = {EPF and PF calculator with EPS pension, year by year},
  author = {{sdev.in}},
  howpublished = {\url{https://www.sdev.in/tools/epf-calculator}},
  note = {Web tool}
}

Questions people ask

How much goes into my PF every month?

You put in 12% of basic pay plus DA. Your employer also puts in 12%, but 8.33% of wages up to the PF wage ceiling goes to the pension scheme (EPS), and only the rest goes to your EPF. The ceiling is ₹25,000 a month from 17 September 2026 (at most ₹2,083 to EPS); it was ₹15,000 before (at most ₹1,250).

What is the EPF interest rate?

8.25% for FY 2025-26, declared by EPFO in March 2026 and approved in June 2026. It is set every year; the last few years were 8.15% to 8.25%. You can type another rate to plan with a lower one.

Is PF counted on my full basic or only up to the ceiling?

The law asks for PF on wages up to the wage ceiling, ₹25,000 a month since 17 September 2026 (₹15,000 before). Many employers pay on the full basic; some pay only up to the ceiling (₹3,000 a month from you at ₹25,000). Check your payslip, pick the matching option, and change the ceiling if your employer still uses ₹15,000.

Does the EPS money come back to me?

Not as a lump sum after 10 years of service. It pays a monthly pension from age 58. The estimate here uses pensionable salary × years of service ÷ 70, with salary capped at ₹15,000 for service before 17 September 2026 and at the new ceiling after. With under 10 years you can withdraw it as a lump sum instead.

Is the EPF amount tax-free at retirement?

Yes, after 5 years of continuous service. Interest on your own yearly contribution above ₹2.5 lakh is taxed each year, so most salaried people are not affected.

What is VPF?

Voluntary Provident Fund: you can ask your employer to cut more than 12% from your pay into EPF. It earns the same rate. The employer does not match it.

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