EPF Calculator
Employee Provident Fund retirement-corpus projection — models 12% employee + ~3.67% employer EPF share growing with annual salary hikes till age 60.
🇮🇳All amounts in ₹ INR · India tax law · FY 2025–26
EPF inputs
FY 2023-24: 8.25%. Rate notified annually by EPFO.
Total contribution
₹97,20,736
Corpus at age 60
₹3,04,41,362
What is EPF?
The Employee Provident Fund is the mandatory retirement scheme for salaried Indians under the EPF Act, 1952. You and your employer each contribute 12% of basic + DA every month. Of the employer's 12%, 8.33% goes to the EPS pension scheme (subject to a wage ceiling), and 3.67% goes to your EPF account.
Tax treatment (EEE-mostly)
- Contributions qualify under Section 80C up to ₹1.5L.
- Interest tax-free up to ₹2.5L employee contribution/year (₹5L if no employer contribution).
- Maturity withdrawal after 5 years of service: fully tax-free.
- Premature withdrawal <5 years: taxable as salary, TDS at 10%.
Yes — opt for VPF (Voluntary PF). Employer share stays at 12%; you can go up to 100% of basic. Interest is same as EPF.
EPF only for salaried with employer match. PPF open to all, no match, 15-year lock-in. Many planners hold both.
Never — transfer to new employer's UAN instead. Withdrawal before 5 years is taxable and breaks compounding.