Fixed income calculator

EPF Calculator

Employee Provident Fund corpus at retirement. Adjust the sliders or type exact values — results update instantly.

Your inputs

EPF corpus at exit
₹2,28,68,704
≈ ₹2.29 Cr
60%of total
  • Total contributed₹91,07,861
  • Interest earned₹1,37,60,842
Total contributed
₹91,07,861
Interest earned
₹1,37,60,842
Results are estimates. They are based only on the values you enter and the assumptions listed below, and may differ from the figures your bank, lender or fund house provides.
How it works

How the EPF calculator works

The Employee Provident Fund (EPF) is a retirement savings scheme where both you and your employer contribute a percentage of your basic salary + DA every month, earning interest at a rate declared annually by the EPFO.

This calculator projects your EPF corpus at retirement using your monthly basic salary, employee and employer contribution rates, expected annual salary growth, and the EPF interest rate, compounding monthly contributions over your working years.

For example, a ₹30,000 basic salary with a combined 15.67% contribution, 5% annual increments, and 8.25% interest builds to a corpus of roughly ₹1.23Cr over a 30-year career — almost entirely from compounding on relatively modest monthly contributions.

FAQ

Frequently asked questions

What is the difference between EPF and PPF?
EPF is an employer-linked scheme with mandatory contributions from both employee and employer as a percentage of basic salary, while PPF is a voluntary scheme anyone can open independently of employment, with a fixed 15-year tenure.
When can I withdraw my EPF?
EPF is primarily designed as a retirement corpus and is best left untouched until retirement or a change in employment status, though partial withdrawals are permitted under specific circumstances defined by the EPFO (medical emergencies, home purchase, and similar).
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