EPF Calculator IN
Project your Employees’ Provident Fund (EPF) balance at retirement from your salary, contributions and the 8.25% interest rate.
Rates shown are current as of FY 2025-26; figures are estimates. Confirm details with the scheme provider.
How it works
Enter your monthly basic plus DA, the contribution percentages, your ages and the EPF interest rate (8.25% for FY 2025-26). The calculator compounds monthly contributions with annual salary growth to estimate your corpus at retirement.
Frequently asked questions
What is the EPF interest rate for 2025-26?
It is 8.25% per annum, the same as the previous year, credited to accounts once the government ratifies it.
How is EPF interest calculated?
On the monthly running balance at 8.25% ÷ 12 (about 0.688% a month), then credited as a lump sum at the end of the financial year.
How much do I and my employer contribute?
You contribute 12% of basic + DA; the employer contributes 12%, of which 8.33% (up to the ₹15,000 ceiling) goes to the EPS pension and the rest to EPF.
When is the interest credited?
Interest is calculated monthly but credited to your account once a year, on 31 March, after government approval.
When can I withdraw my EPF?
At retirement, or earlier for specific needs such as medical treatment, housing or after a period of unemployment, subject to EPFO rules.
Is EPF withdrawal taxable?
It is tax-free if you have five years of continuous service; withdrawals before that may be taxed.
EPF (Employees’ Provident Fund) Calculator
The EPF is a mandatory retirement-savings scheme for salaried employees, run by the EPFO. Both you and your employer contribute every month and the balance earns annual interest.
Current interest rate
The EPF interest rate for FY 2025-26 is 8.25% per annum (about 0.688% a month) — unchanged for the second year. Interest is calculated on the monthly running balance but credited once a year, on 31 March.
How contributions split
You contribute 12% of basic salary plus dearness allowance. Your employer also contributes 12%, but part of that (8.33%, up to the ₹15,000 wage ceiling) goes to the EPS pension fund and the rest to your EPF.
Maturity and tax
The corpus grows tax-free and the withdrawal at retirement is exempt if you have five years of continuous service. The calculator projects your balance from contributions, salary growth and the 8.25% rate.
Scheme rates and limits are revised periodically by the authorities; confirm the current figures on the official portal before investing.
Results are estimates for general guidance in India and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.