Enter basic+DA salary, years of service, and interest rate to estimate your EPF balance at retirement.
⚠️ This calculator provides an estimate based on India's government/financial schemes using publicly available 2026 rates. Actual amounts may differ due to scheme changes or individual circumstances — please verify with an official source or financial advisor.
Estimated Maturity Balance
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Total Contributed (Employee + Employer) —Total Interest —
The Employees' Provident Fund (EPF) is India's mandatory retirement savings scheme for salaried employees, where both employee and employer contribute 12% of basic+DA each month. Of the employer's 12%, 8.33% is routed to EPS (a separate pension scheme, subject to a monthly wage ceiling), leaving only 3.67% in the EPF account. EPFO announces the interest rate each financial year — 8.25% for FY2025-26. This calculator simplifies by excluding EPS and focusing only on the EPF account (employee 12% + employer 3.67%).
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How the Maturity Value Is Calculated
This calculator simulates month by month: the salary deduction is added at the end of each month, and monthly interest (annual rate ÷ 12) is applied to the running balance. For example, with a monthly basic+DA of ₹20,000, 20 years of service (240 months), and an 8.25% rate, the monthly contribution is ₹2,400 (employee) + ₹734 (employer) = ₹3,134, yielding an estimated maturity balance of roughly ₹19.04 lakh. Real EPF interest is settled annually, so actual figures may differ slightly.
Frequently asked questions
How often does the EPF rate change?
EPFO's Central Board of Trustees announces the rate each financial year (April-March), subject to Ministry of Labour approval. FY2025-26 is 8.25%, unchanged from the prior year.
Why is EPS excluded from this calculation?
EPS (the pension scheme) is a defined-benefit arrangement (a monthly pension after retirement) with a different accrual method than EPF, and it is capped by a wage ceiling (around ₹15,000/month), making simple compound-interest math inapplicable. Use EPFO's official pension calculator for an accurate EPS estimate.
What if I withdraw or switch jobs mid-career?
This calculator assumes continuous contributions with no withdrawals throughout the service period. Job changes or partial withdrawals will change the actual outcome, so treat this as a reference estimate only.