EPF calculator
See what your PF could add up to by 58, and where your 12% and your employer's 12% go each month.
An EPF calculator estimates your PF balance at 58 from your 12% and your employer's share, with interest at the 8.25% a year rate for FY 2025-26. Starting at 30 on ₹50,000 basic pay plus DA, with 5% raises each year, it could reach about ₹2.19 crore. It uses the new ₹25,000 wage ceiling in force from 17 September 2026.
Estimated EPF balance at 58
₹2,18,61,510
Rupees two crore eighteen lakh sixty-one thousand five hundred ten only
- You + employer invest
- ₹77,10,084
- Interest
- ₹1,41,51,426
| Your share (12%) | ₹6,000 |
|---|---|
| Employer's share to EPF | ₹3,917 |
| Employer's share to EPS pension (not in this balance) | ₹2,083 |
| Goes into your EPF | ₹9,917 |
Interest could make up 65% of your balance at 58.
Estimate at a fixed 8.25% a year and a 5% yearly raise. Rates change every year. Not guaranteed. Nothing you type is stored.
See year by yearChanging jobs or retiring? Work out your gratuity too.
How to use this EPF calculator
- Enter your monthly basic pay plus dearness allowance (DA). This is the wage PF is worked out on, not your gross salary. Check your payslip.
- Enter your age now. The calculator adds contributions every year until you turn 58.
- Set how much your basic pay might rise each year. Try 0% and 5% to see how much raises matter.
- Add your current EPF balance from your passbook, if you have one. Leave the rate at 8.25%, or try a lower rate for a cautious estimate.
How EPF is calculated
Into EPF each month = 12% of W + (12% of W − EPS)
EPS = 8.33% of W, wage capped at ₹25,000 (so at most ₹2,083)
Interest each month = balance × r ÷ 12 ÷ 100
- W
- Your monthly basic pay plus DA.
- EPS
- The part of your employer's share that goes to the Employees' Pension Scheme. It builds your pension, not your PF balance. It is nil if you are not in EPS.
- r
- The yearly EPF interest rate. It is 8.25% for FY 2025-26.
Interest is worked out every month on the running balance, including that month's contribution, and credited once at the end of the year. The calculator assumes the same rate every year and a raise once a year. It also assumes you work every month until 58.
Worked example
Your basic pay plus DA is ₹50,000 a month. You are 30, expect a 5% raise each year and have no EPF balance yet. The rate is 8.25% a year.
- Your share (12%)
- ₹6,000
- Employer to EPS
- ₹2,083
- Employer to EPF
- ₹3,917
- Into EPF each month
- ₹9,917
In year one you and your employer put in ₹9,917 × 12 = ₹1,19,004. The balance grows month by month: ₹9,917, then ₹19,834, up to ₹1,19,004. Adding those 12 balances gives 9,917 × 78. Interest is 9,917 × 78 × 8.25 ÷ 12 ÷ 100 = ₹5,317.99.
- Balance after year 1
- ₹1,24,322
- You + employer invest by 58
- ₹77,10,084
- Interest by 58
- ₹1,41,51,426
- Estimated balance at 58
- ₹2,18,61,510
Monthly contribution split by basic pay
Your share is always 12% of basic pay plus DA. Your employer also pays 12%, but up to ₹2,083 of it goes to the pension scheme (₹1,250 before 17 September 2026, when the ceiling was ₹15,000). So the higher your basic pay, the closer your employer's EPF share gets to 12%. Figures below use the new ₹25,000 ceiling. EPFO is still notifying the details, so check your payslip.
| Basic + DA | Your 12% | Employer to EPF | Employer to EPS | Into EPF |
|---|---|---|---|---|
| ₹15,000 | ₹1,800 | ₹550 | ₹1,250 | ₹2,350 |
| ₹25,000 | ₹3,000 | ₹917 | ₹2,083 | ₹3,917 |
| ₹30,000 | ₹3,600 | ₹1,517 | ₹2,083 | ₹5,117 |
| ₹50,000 | ₹6,000 | ₹3,917 | ₹2,083 | ₹9,917 |
| ₹1,00,000 | ₹12,000 | ₹9,917 | ₹2,083 | ₹21,917 |
How much does starting early matter?
Estimated balance at 58 for a ₹30,000 basic pay, starting from zero, at 8.25% a year:
| Starting age | No raise | 5% raise a year |
|---|---|---|
| 25 | ₹98.6 lakh | ₹2.01 crore |
| 30 | ₹63.79 lakh | ₹1.21 crore |
| 35 | ₹40.37 lakh | ₹70.23 lakh |
| 45 | ₹14.02 lakh | ₹19.76 lakh |
Starting at 25 instead of 35 more than doubles the balance. Most of that gap is interest earned in the extra years, not extra contributions.
Rules and limits used
- EPF interest rate: 8.25% a year for FY 2025-26 (PIB). The rate is set every year, so future years may differ.
- Employee share: 12% of basic pay plus DA.
- Employer share: 12%, of which 8.33% of the wage goes to EPS. The wage ceiling was raised from ₹15,000 to ₹25,000 a month from 17 September 2026 (PIB), so EPS is at most ₹2,083 a month (₹1,250 before). EPFO is issuing the detailed rules; check your payslip.
- If you joined EPF on or after 1 September 2014 with basic wages above the wage ceiling, you are not in EPS: your employer's full 12% goes to your PF (EPFO FAQ). How the new ceiling applies to existing members: check EPFO.
- Retirement age used here: 58.
EPF calculator FAQs
How is PF interest calculated?
Interest is worked out each month on the running balance at the yearly rate ÷ 12. The total for the year is added to your account once, at the end of the year. Because it is added to the balance, next year's interest is earned on it too.
Why is my employer's EPF share less than 12%?
Your employer pays 12%, but 8.33% of your wage (up to ₹2,083 a month) goes to the Employees' Pension Scheme. Only the rest lands in your EPF account. On a ₹50,000 basic pay, that is ₹3,917 to EPF and ₹2,083 to EPS. If you are not in EPS, the full 12% goes to EPF.
Why is EPS capped at ₹2,083?
EPS is worked out on a wage of at most ₹25,000 a month from 17 September 2026. 8.33% of ₹25,000 is ₹2,083 (rounded to the rupee), so that is the most that goes to the pension scheme each month, however high your pay is. Before that the ceiling was ₹15,000 and the cap ₹1,250. EPFO is still notifying the details, so check your payslip.
What if I joined after 1 September 2014 on a high basic?
If you joined EPF on or after 1 September 2014 with basic wages above the wage ceiling, you are not in the pension scheme (EPS). Both your 12% and your employer's 12% go to your PF. Choose No for the pension share above. How the new ₹25,000 ceiling applies to existing members: check EPFO.
How much PF is cut on a ₹30,000 basic?
You pay 12%, which is ₹3,600 a month. Your employer adds ₹1,517 to EPF and ₹2,083 to EPS. So ₹5,117 goes into your EPF each month.
Is the 8.25% rate fixed for the future?
No. The rate is declared every year. 8.25% is the rate for FY 2025-26. The calculator uses one rate for every year, so treat the result as an estimate. Try 7.5% or 8% for a cautious view.
Does this include my EPS pension?
No. The balance shown is your EPF only. EPS money goes to a separate pension scheme and is paid as a monthly pension, not as part of this balance.
Is my data saved?
No. Everything is calculated in your browser. Nothing you type is sent to us or stored. The only place your numbers go is the link you choose to copy or share.
For education only. This is not investment, tax or legal advice. Rules as of FY 2026-27; check your EPFO passbook and the official EPFO site. Interest rates are assumptions, not predictions.