EPF Calculator
Provident fund corpus from your and your employer’s monthly contributions, with salary growth.
Result
- Your contribution
- ₹17,18,176
- Employer contribution
- ₹5,25,475
- Contribution in month 1
- ₹3,917.50
- 12.00% + 3.67% of basic + DA
- Basic + DA in the final year
- ₹80,628
| Year | Monthly basic + DA | Contributions | Interest | Closing |
|---|---|---|---|---|
| Year 1 | ₹25,000 | ₹47,010 | ₹2,101 | ₹49,111 |
| Year 3 | ₹27,563 | ₹51,828 | ₹10,956 | ₹1,67,513 |
| Year 5 | ₹30,388 | ₹57,141 | ₹22,204 | ₹3,17,530 |
| Year 7 | ₹33,502 | ₹62,998 | ₹36,344 | ₹5,05,747 |
| Year 9 | ₹36,936 | ₹69,455 | ₹53,971 | ₹7,40,001 |
| Year 11 | ₹40,722 | ₹76,574 | ₹75,794 | ₹10,29,606 |
| Year 13 | ₹44,896 | ₹84,423 | ₹1,02,653 | ₹13,85,621 |
| Year 15 | ₹49,498 | ₹93,077 | ₹1,35,544 | ₹18,21,161 |
| Year 17 | ₹54,572 | ₹1,02,617 | ₹1,75,650 | ₹23,51,771 |
| Year 19 | ₹60,165 | ₹1,13,135 | ₹2,24,370 | ₹29,95,860 |
| Year 21 | ₹66,332 | ₹1,24,731 | ₹2,83,361 | ₹37,75,212 |
| Year 23 | ₹73,132 | ₹1,37,517 | ₹3,54,583 | ₹47,15,587 |
| Year 25 | ₹80,628 | ₹1,51,612 | ₹4,40,351 | ₹58,47,431 |
Showing 13 of 25 years.
All figures are estimates from the inputs above, not a guarantee of returns and not advice. The employer’s EPS pension share, the wage ceiling that applies to it, and any withdrawal you make along the way are not modelled. The EPFO declares the interest rate each year, so a single-rate projection is only indicative. Rates and statutory charges change. Verify current charges with your broker, the exchange and SEBI before relying on these figures.
Estimated from the numbers you entered — not a projection of guaranteed returns. Statutory and exchange rates as of 2026-08.
About this calculator
EPF takes a statutory share of your basic pay plus dearness allowance each month, your employer adds its share, and the balance earns an interest rate the EPFO declares each year. The contribution percentages and the interest rate are set by statute and notification, so they are shown here as editable defaults rather than fixed numbers. Interest accrues on the monthly running balance and is credited at the end of the year.
Formula
- Monthly contribution = (Basic + DA) × (employee % + employer %)
- Interest for the year = Σ (running balance each month) × r / 12
- Closing balance = Opening + contributions + interest, with Basic + DA raised by the growth rate each year
Frequently asked questions
Why is the employer contribution smaller than mine?
The employer also contributes 12% of basic + DA, but 8.33 points of it are diverted to the EPS pension scheme. Only the remaining 3.67% lands in the EPF account, which is what this field represents.
Can I contribute more than the statutory rate?
Yes, through VPF. Raise the employee percentage to model it — the employer share does not rise with it.
Does the interest rate stay the same for 25 years?
No. The EPFO declares a rate each year and it has moved over time, so treat a single-rate projection as a rough guide rather than a forecast.