EPF Calculator

This calculator estimates how much will be in your Employees’ Provident Fund account when you retire. It starts from your basic pay plus dearness allowance, adds a yearly pay rise, and applies the EPF interest rate the way EPFO does. It separates what you pay in, what your employer pays in and the interest. It also shows the part of your employer’s contribution that goes to the pension scheme instead, which is why the balance is less than 24% of your pay.

1. Enter your basic pay plus dearness allowance for one month. This is not your total salary; your payslip shows it.
2. If it is above ₹25,000, choose whether contributions are made on your full basic pay or on the ₹25,000 ceiling. Your payslip shows which.
3. Set your age, when you will retire, and the pay rise you expect each year.
4. Add today’s balance from your EPFO passbook if you already have one.
5. Read the projected balance and how much of it comes from you, your employer and interest.

• The interest rate is declared once a year and has moved between 8.1% and 8.65% over the last decade. Holding one rate for decades is a simplification.
• It projects the EPF account only. Your pension under EPS is calculated differently, from pensionable salary and years of service, and is not shown.
• Voluntary PF contributions, withdrawals and gaps between jobs are not modelled.
• Tax is not calculated. Interest on employee contributions above a yearly limit is taxable.
• Everything is worked out in your browser, and nothing is sent to EPFO or anyone else. Your figures appear only in the page address so the link can be shared, so do not share it if you would rather keep your pay private.

8.25% a year for FY 2025-26. The Central Board of Trustees recommended it at its 239th meeting on 2 March 2026, and the Finance Ministry ratified it. It is the third year in a row at that rate.

The wage ceiling went up from ₹15,000 to ₹25,000 a month, the first change since 2014. Employees earning up to ₹25,000 are now covered compulsorily, and the employer’s pension share of 8.33% is worked out on wages up to ₹25,000, so up to ₹2,082.50 a month now goes to EPS.

Both of you contribute 12%, but part of your employer’s 12% goes to the Employees’ Pension Scheme rather than your EPF account. It still counts towards your pension. It just doesn’t appear in the balance shown here.

Interest is calculated each month on the running balance and added to your account once, at the end of the financial year. Money paid in during the year earns interest from the month it arrives.