EPF Calculator

The employer matches your 12% of basic plus DA, but 8.33% of that goes to the Employees’ Pension Scheme (EPS), calculated on wages up to ₹15,000 — so at most ₹1,250 a month. Only the balance of the employer share reaches your EPF account. On a ₹25,000 basic that is ₹1,750 to EPF and ₹1,250 to EPS.

EPFO declares a rate each year (8.25% for FY 2024-25) and works out interest on the monthly running balance, crediting it once at year end. This tool compounds monthly, which lands within a fraction of a percent of the official method and is easier to follow in the table.

Withdrawal after five years of continuous service is exempt. Interest on your own contributions above ₹2,50,000 a year has been taxable since FY 2021-22, which mainly affects high earners or those making large voluntary contributions. Withdrawing before five years is taxable and attracts TDS unless the amount is below ₹50,000.

Yes. Contributions scale with basic, so a 5% yearly increment over 25 years more than doubles what goes in. Enter the increment you realistically expect on basic plus DA, not on total CTC.

A monthly pension from 58 for members with 10 or more years of service, calculated as pensionable salary × pensionable service ÷ 70, with pensionable salary capped at ₹15,000 unless you opted for higher pension. It is separate from the corpus shown here, which is the EPF balance only.