Savings Calculators

EPF Calculator

Project the EPF corpus you'll accumulate at retirement based on your salary and contribution.

About the calculator

What is the EPF Calculator?

The EPF Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • Annual contribution
    C = Basic × 12 × (12% + 3.67%)
  • Yearly compounded
    Balanceₙ = (Balanceₙ₋₁ + C) × (1 + r)

Why use the EPF Calculator?

Financial planning works only when it's specific. The EPF Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

Employee Provident Fund — a mandatory retirement scheme for salaried Indians.
Employee 12% of basic + employer 12% (3.67% to EPF, 8.33% to EPS).
Yes if held over 5 years; interest above ₹2.5L on annual contribution is now taxable.
Approximately 8.25% (notified by EPFO annually).
Partial withdrawals are allowed for housing, marriage, medical, etc.
Voluntary additional contribution beyond mandatory EPF, earning the same rate.

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