EPF Calculator
See where your PF goes each month, what it grows to by retirement, and the pension you can expect.
At a glance
- Splits each month’s PF: 12% from you, and the employer’s 12% divided into 8.33% for the pension (EPS, at most ₹1,250) and the rest into your EPF.
- Projects your EPF balance at retirement with yearly salary rises, your current balance and the EPF interest rate — 8.25% for 2023-24 and 2024-25, editable.
- Interest is worked out the EPFO way: on the monthly running balance, credited once a year.
- Estimates your EPS pension: pensionable salary × service ÷ 70, with two bonus years after 20 years of service.
- Handles VPF (voluntary contributions) and employers that cap PF at the ₹15,000 wage ceiling.
- A chart and a year-by-year table of your balance, contributions and interest.
Step by step
How to calculate your EPF
- 1
Enter basic pay + DA
Your monthly basic salary plus dearness allowance — not gross or in-hand pay.
- 2
Add age and raises
Your age, retirement age and the yearly raise you expect.
- 3
Add your balance
Optionally, today’s EPF balance from your passbook.
- 4
Read the result
Your monthly contributions, the balance at retirement and your EPS pension estimate.
Features
Everything you need, nothing you don’t
Monthly split
Employee, employer EPF and EPS shares.
Retirement corpus
With salary rises and your current balance.
EPFO interest method
Monthly running balance, credited yearly.
Pension estimate
The EPS formula, with eligibility.
VPF and wage ceiling
Extra contributions and capped PF.
Year by year
Chart and table to retirement.
Where your PF goes
With basic + DA of ₹30,000: you put in ₹3,600, the employer ₹3,600 — of which ₹1,250 goes to EPS and ₹2,350 to your EPF — so ₹5,950 a month reaches your EPF account.
| Contribution | Rate | Goes to |
|---|---|---|
| Employee | 12% of basic + DA | EPF (your account) |
| Employer — pension | 8.33% of wages up to ₹15,000 (max ₹1,250) | EPS (pension scheme) |
| Employer — rest | 12% minus the EPS share | EPF (your account) |
| Voluntary (VPF) | Any % you choose | EPF (your account) |
| EDLI and admin | Paid by the employer | Insurance and EPFO costs |
EPS pension
With at least 10 years of service, the pension from 58 is: pensionable salary (average of the last 60 months, at most ₹15,000) × pensionable service ÷ 70. Service of 20 years or more gets two extra years, and at most 35 years count — so the most this formula gives is ₹7,500 a month. The minimum pension is ₹1,000 a month.
FAQ
Frequently asked questions
What is the EPF interest rate?
How is EPF interest calculated?
Why does only part of the employer’s share reach my EPF?
Is EPF tax-free?
Should I choose VPF?
How do I check my actual EPF balance?
Keep going
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