Investments & Wealth
EPF Calculator
Estimate your EPF corpus from salary, contribution rates and years of service
EPF details
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Default 3.67% to EPF (8.33% of employer share goes to EPS for basic up to ₹15,000)
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yrs
Estimated EPF balance
₹0
How the EPF Calculator works
Both employee and employer contributions are added monthly to your EPF account. Interest is compounded annually on the running balance — the same method EPFO uses for interest credit.
Monthly contribution = Basic × (Employee% + Employer EPF%) / 100
This is a simplified estimate. Actual EPS allocation, wage ceiling changes and partial withdrawals are not modelled.
Why use it
Detailed features
Salary-linked
Based on your basic salary and standard EPF contribution rates.
Employer split
Customisable employee and employer EPF percentages.
Annual compounding
Interest applied yearly on accumulated balance.
On the go
Also in the free Toolance Android app.
Frequently asked questions
Employee and employer typically contribute 12% each of basic plus DA. Employee share goes fully to EPF. Part of employer share may go to EPS depending on salary ceiling rules.
EPFO declares annual interest on member balances. Enter the latest rate for projection. Interest is credited yearly to your passbook after audit.
Partial withdrawal is allowed for specific needs like home purchase, medical or unemployment per EPFO rules. Full withdrawal is possible after two months unemployed or at retirement.
Employee contributions with interest are generally tax-free on withdrawal after 5 years of continuous service if contributions were from taxable salary. New tax regime and recent rule changes may affect some cases; check with HR or CA.
EPS contribution applies on salary up to a statutory ceiling revised by government. Amounts above may still go to EPF from employer share per current rules.
Add voluntary PF to employee contribution in your inputs if you make extra deposits. Employer match usually does not apply on VPF beyond normal salary base.
This estimates growth on assumed salary hikes and interest. EPFO credits actual interest annually. Use for planning, not as official passbook.
Yes. No login required. Adjust salary and years to see projected corpus.