EPF calculator (India)
Calculate Employees' Provident Fund (EPF) balance, 12% employee share, employer EPF/EPS contribution and EPFO 8.25% annual interest.
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About this tool
Calculate your Employees' Provident Fund (EPF) retirement corpus under EPFO rules. Factors in compulsory 12% employee deduction, employer contribution split between EPF and EPS, annual salary increments, and 8.25% annual interest.
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
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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