💼 EPF Calculator

Our EPF calculator projects your Employee Provident Fund balance — combining your 12% contribution, your employer's 12% (3.67% to EPF + 8.33% to EPS), and annual salary growth.

📅 Last updated: October 2026

EPF Calculator

Provident fund contribution se estimated retirement corpus.

Monthly basic salary

₹5,000₹2 lakh

Expected EPF interest rate

5%12%

Current age

1857

Annual salary growth

0%15%

Estimated EPF corpus at 58₹1,02,34,567

Total contribution₹45,00,000

Estimated interest₹57,34,567

Simplified: 12% employee + 12% employer of basic; EPS split ignored.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

EPF kaise calculate hota hai?

Monthly basic salary, EPF interest rate, current age aur yearly salary growth dalein. Calculator har saal 24% (employee + employer) contribution par corpus ka estimate deta hai. EPF rate government har saal revise karti hai.

How to Use

Enter your monthly basic + DA salary.
Set your current age and retirement age.
Adjust the EPF interest rate (currently 8.25%).
See your projected PF corpus at retirement.

📋 EPF interest rate as per FY 2026-27 — EPFO har saal declare karta hai, latest epfindia.gov.in par check karein.

Formula

Monthly EPF credit = 12% of basic (employee) + 3.67% of basic (employer to EPF). Balance compounds annually at the declared EPF rate on monthly contributions.

💡 Example

Example: ₹40,000 basic at age 30, 8% annual hike, 8.25% EPF rate → corpus at 58 ≈ ₹2.5+ crore (employee + employer + interest).

EPF ke niyam: 12% + 12% ki asal kahani

EPF ka niyam un sansthano par lagu hota hai jaha 20 ya zyada karmachari hain. Karmachari ki basic salary aur DA ka 12% har mahine kat-ta hai, aur niyokta bhi barabar ka 12% dalta hai. Lekin ek baat jo salary slip par saaf nahi dikhti: niyokta ke 12% ka poora hissa EPF me nahi jata. Usme se 8.33% hissa pension yojana (EPS) me jata hai — iski ganana ₹15,000 ki vetan seema par hoti hai, isliye EPS me adhiktam ₹1,250 mahina hi jata hai — aur bacha hua 3.67% (ya seema se upar ki salary par usse zyada) asal me aapke EPF khate me judta hai.

Is page ka calculator hisab ko aasan rakhne ke liye dono hisso ka pura 24% EPF me jodta hai — page par ye baat "simplified" likh kar pehle se batayi gayi hai. Iska matlab hai ki calculator ka corpus asal PF statement se zyada aa sakta hai, khaas taur par zyada salary walo ke liye. Apne asal number ke liye EPFO ki passbook hi antim sach hai; calculator ka kaam disha aur mota-mota andaza dena hai.

Byaaj har saal sarkar/EPFO ghoshit karta hai aur saal ke ant me khate me judta hai. Naukri badalne par PF ka paisa naye khate me transfer karna sabse zaroori kaam hai — paisa nikal lene se 5 saal ki nirantar seva wali tax-chhoot wali ghadi phir se shuru ho jati hai. UAN number ek hi rehta hai, isiliye purani naukriyon ka PF naye khate se jodna (merge) bhoolna nahi chahiye.

🧮 Ek aur hisab: ₹35,000 basic, umr 32, badhotari 5%

Is calculator ki saral paddhati se hisab lagate hain: basic + DA ₹35,000, vartamaan umr 32 (matlab 58 tak 26 saal), salary me har saal 5% badhotari aur byaaj dar 8.25%. Kul yogdan lagbhag ₹51,52,236 banta hai aur anumaanit corpus lagbhag ₹1,44,33,373 — isme takreeban ₹92,81,137 sirf byaaj hai. Yaad rahe, ye 24% pure yogdan wale saral hisab ka number hai; asal EPF me EPS wala hissa alag chala jata hai, isliye vastavik PF isse kam hoga. Phir bhi tasveer saaf hai — naukri ke saath chalne wala ye khata akele hi crore ke aas-paas pahuch sakta hai.

FAQs — EPF Calculator

8.25% for FY 2025-26, declared by EPFO. Rates are announced yearly.

12% of basic+DA: 8.33% goes to EPS (pension, capped at ₹1,250/month) and 3.67% to your EPF.

Yes, if you complete 5 years of continuous service. EEE status applies within limits.

Partial withdrawals allowed for home purchase, medical emergencies, etc., with conditions.

Agar aap kisi aise sansthan me kaam shuru karte hain jaha EPF lagu hai aur aap pehle se EPF ke sadasya hain, to yogdan chalta rehta hai. Nayi naukri aur ₹15,000 se zyada vetan par kuch sthitiyon me sadasyata aichhik hoti hai — lekin ek baar sadasya ban jane ke baad beech me band karna aasan nahi hota. Apni sthiti HR aur EPFO niyamo se jaanchein.

Ghar kharidne ya banane, ilaaj, bachcho ki shadi ya padhai, aur berozgari jaisi sthitiyon me niyamo ke tahat aanshik nikaasi ki suvidha hai. Har kaam ke liye seva ki kam se kam avadhi aur nikaasi ki seema alag hai. Pura paisa aam taur par seva-nivritti ya lambi berozgari ke baad hi milta hai.

UAN wahi rehta hai — nayi naukri me wahi UAN dein aur EPFO portal par purani sadasya ID ko nayi se jodne (transfer) ka aavedan karein. Aisa na karne par paisa bikhar jata hai, byaaj kuch khato par ruk sakta hai aur 5 saal wali ginati me bhi uljhan hoti hai.

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