DesiUtils.in
  • Tools
  • Categories
  • Finance
  • Astrology
  • Games
  • Sarkari Tools
  • Blog

© 2026 DesiUtils.in - Made with ☕ in India.

PrivacyTermsPurchase TermsRefundsDisclosureAboutContactBlogAstrologyGamesSarkari Tools
Follow us:

DesiUtils.in provides online tools for informational purposes only. We are not financial, tax, or legal advisors. Use tools at your own discretion. DesiUtils is a registered MSME (Udyam-registered).

HomeCategoriesSearchFinance

EPF Calculator India

Home>Finance>EPF Calculator

EPF Calculator

Calculate Employee Provident Fund balance at retirement with salary increments. Employee + employer breakdown.

Your inputs stay in your browser - nothing you type is sent to a server

₹

Monthly Contribution Breakdown

Employee (12%)

₹3,600

Employer PF (3.67%)

₹1,101

Employer EPS (8.33%)

₹1,250

Capped at ₹15K basic

₹
Retirement Age: 58 (fixed as per EPF rules)

Total EPF Corpus at Retirement

₹1,23,30,336

Employee Total

₹28,70,158

Employer PF Total

₹8,77,790

Interest Earned

₹85,82,388

Years to Retire

30 years

Corpus Breakdown

₹1,23,30,336corpus
Employee (23%)
Employer (7%)
Interest (70%)

EPF Key Information

  • Current Rate: 8.25% per annum (FY 2024-25, latest declared). Rate is set by EPFO annually and may change.
  • Contribution Split: Employee 12% of Basic+DA. Employer: 3.67% to EPF + 8.33% to EPS (capped at ₹15,000 basic)
  • Tax on Interest: Interest on employee contribution exceeding ₹2.5L/year is taxable (from FY 2021-22)
  • Withdrawal: Full withdrawal allowed after 2 months of unemployment or at retirement (58). Partial withdrawals for housing, medical, marriage etc.
  • Tax Benefit: Employee contribution qualifies under Section 80C (up to ₹1.5L). Corpus is tax-free if withdrawn after 5 years of continuous service.
ℹ️
Disclaimer: This calculator is for informational and educational purposes only.
Was this tool helpful?Report an issue

Related Tools

PPF Calculator

Calculate PPF maturity amount with year-by-year breakdown. Current rate 7.1%. Tax-free EEE status.

finance

NPS Calculator

Calculate National Pension System corpus and monthly pension at retirement. Tax benefits under 80CCD.

nps calculator

Gratuity Calculator

Calculate gratuity for private and government employees. Eligibility check and tax exemption rules.

finance

Frequently Asked Questions

What is EPF and how does it work?+
EPF (Employee Provident Fund) is a retirement savings scheme where both employee and employer contribute 12% of basic salary each month. The government sets the annual interest rate.
How is EPF interest calculated?+
EPF interest is calculated monthly on the running balance but credited annually. The rate is declared by the government each year.
Can I withdraw EPF before retirement?+
Partial withdrawal is allowed for specific purposes like home purchase, medical emergency, or education after certain conditions are met. Full withdrawal is allowed after 2 months of unemployment.