EPF calculator — corpus at retirement
12% of your basic goes in; your employer matches it — but part of the employer's share is diverted to pension. Enter your basic, expected raises and years to go, and see the provident-fund corpus that actually builds.
Employer's share stays 12% regardless of VPF.
The rules this calculator applies
- Contributions: you contribute 12% of basic + DA; the employer contributes 12% too — but 8.33% goes to the pension scheme (EPS), capped at ₹1,250 a month on the ₹15,000 wage ceiling, and only the balance (3.67% or more) lands in your EPF.
- Interest: 8.25% for FY 2025-26, declared by the EPFO board each year; computed on the monthly running balance and credited annually.
- Tax on contributions: your share is 80C-deductible (old regime); the employer's share is tax-free up to 12% of salary (and ₹7.5 lakh across EPF+NPS+superannuation).
- Tax on interest: interest on your own contributions above ₹2.5 lakh a year is taxable (₹5 lakh where the employer doesn't contribute) — relevant only to heavy VPF.
- Withdrawal: tax-free after 5 years of continuous service; earlier withdrawals are taxable (TDS 10% above ₹50,000 with PAN).
Worked example
Basic ₹40,000, 25 years to go, 5% yearly raises, statutory 12%: you and your employer together put about ₹51 lakh into EPF over the career (after the EPS diversion), and at 8.25% the corpus at retirement is roughly ₹1.31 crore — tax-free; interest earns more than the contributions themselves. Switch on 8% VPF and it reaches about ₹1.79 crore.
Edge cases to know
- The rate changes yearly — projections hold 8.25% for the whole horizon; it has ranged 8.1%–8.65% in the last decade.
- EPS is not lost: the 8.33% funds a monthly pension after 58 (or a lump sum under 10 years of service) — it just isn't in the EPF corpus shown here.
- Job changes: transfer the account (UAN makes it one number); withdrawing between jobs resets the 5-year tax clock.
- Freelancers don't have EPF — the self-funded equivalents are PPF and NPS.
Related tools
- PPF calculator — the self-funded cousin.
- Old vs new regime comparator — where your 80C and employer-NPS deductions land.
Last verified: 18 September 2026 — 8.25% rate (EPFO, FY 2025-26) and the EPS wage-ceiling split cross-checked across three sources; tax rules per the Income-tax Act and EPF Scheme · Projections, not guarantees; not investment advice.