EPF balance & retirement calculator
Calculate your EPFO Employees' Provident Fund balance at retirement with 8.25% interest, 12% employee share and employer match. Free Indian calculator.
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About this tool
Calculate your future Employees' Provident Fund (EPF) nest egg at retirement under EPFO guidelines with 8.25% interest and annual increments.
How to use it
- 1 Enter your monthly Basic Salary + Dearness Allowance (DA).
- 2 Enter your current age, planned retirement age (default 58), and existing EPF balance.
- 3 Set your expected annual salary increment percentage.
- 4 View your projected retirement nest egg, interest accumulated, and employer contributions.
Questions
Can I withdraw my EPF money before age 58?
Full withdrawal is permitted upon retirement at age 58 or after 2 months of unemployment. Partial advances are allowed for specific purposes like purchasing a home or medical emergencies.
What is the current EPFO interest rate in India?
The Employees' Provident Fund Organisation (EPFO) declared an annual interest rate of 8.25% for the financial year.
How is employer EPF contribution split?
The employer's 12% contribution is split: 8.33% goes to the Employee Pension Scheme (EPS) capped at ₹1,250/month, and the remaining 3.67% (plus any excess) goes into the EPF account.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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