Employee contribution
Your selected rate is applied to the chosen PF wage. The standard rate is 12%; any higher percentage is treated as a voluntary PF contribution.
PLAN WITH CLARITY
Calculate your EPF retirement corpus
Enter your EPF details
Use the figures from your latest payslip and EPF passbook.
years
years
Contributions stop at this age; interest continues through age 58.
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Enter 0 if you are starting your first EPF.
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Enter 0 if there is no earlier EPS amount.
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Enter payroll-confirmed PF wages, including applicable wage-definition add-backs. This is not automatically 50% of CTC.
Use your current payroll membership. Existing membership continues when wages rise. Excluded EPF members with eligible wages up to ₹25,000 may now enter EPS; verify with payroll.
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Uses actual eligible salary up to the selected ceiling; lower salaries are never increased.
Projected EPF balance at age 58
₹0
Contributions through age 35 · interest through age 58
EPF balance when you retire at age 35
Balance when monthly contributions stop
₹0
Opening EPF
₹0
Existing balance entered
Employee added
₹0
Includes VPF, if entered
Employer to EPF
₹0
After EPS diversion
Interest earned
₹0
Monthly running balance
Accumulated EPS
₹0
Contributions only, not a withdrawal value
Opening EPF + contributions
₹0
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Projected EPF at age 58
₹0
0%
What builds the final balance
EPF onlyOpening balance + contributionsInterest
Yearly schedule through age 58
Calculated monthly and summarised by financial year| Projection Year and Age | Opening EPF | Opening EPS | Annual PF Wages | Employee EPF | Employer EPF | Employer EPS | Interest Credited | Closing EPF Balance | Cumulative EPS |
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UNDERSTAND THE ESTIMATE
How this EPF projection works
The calculator separates your provident fund savings from the pension contribution, stops contributions at the retirement age you enter and projects EPF interest month by month through age 58.
Employer split
The employer share is modelled at 12%. For an eligible EPS member, 8.33% of wages up to ₹25,000 (rounded to ₹2,083 a month at the current ceiling) is diverted to EPS and the rest goes to EPF. If excluded from EPS, the full employer share goes to EPF. Monthly employee and total employer contributions are rounded to whole rupees; employer EPF is the remainder after rounded EPS.
Interest timing
EPF interest is calculated on monthly running balances. A contribution starts earning from the month after it is credited, and accrued interest is rounded to the nearest rupee and added at the financial year end.
Rules reviewed: 3 October 2026
The default monthly wage ceiling is ₹25,000, effective 17 September 2026, replacing ₹15,000. The standard employee and total employer rates remain 12%. At the new ceiling, this model calculates ₹3,000 employee EPF, ₹2,083 employer EPS and ₹917 employer EPF per month for an eligible EPS member. The 8.25% annual interest input is a projection assumption, not a guaranteed future rate.
This is a forward estimate using the selected rules throughout. It does not recalculate historical balances or the split September 2026 transition month. Enter your actual existing balances. Editing the ceiling creates a custom scenario for both EPF and EPS.
Recent withdrawal reforms affect access to savings, not the contribution formula. No withdrawal is deducted here, and the displayed balance is not a claim eligibility quote.
Sources: Government wage-ceiling announcement, EPFO interest and withdrawal update, EPFO wage-ceiling FAQs and Ministry wage-definition FAQs.
Calculation basis
For each month, the calculator first accrues interest on the existing EPF balance and then adds that month's employee and employer EPF credits.
Monthly accrual = Opening EPF balance × Annual rate ÷ 12Rules references: EPFO FAQs and the Employees' Provident Funds Scheme, 1952.
Frequently asked questions
Enter the monthly pay on which your EPF is actually calculated, including Basic, DA, retaining allowance and applicable statutory add-backs. The Labour Code wage definition can require adding back excluded components above the prescribed 50% limit. Use payroll-confirmed PF wages; the calculator cannot infer them from CTC. Do not enter gross salary or take home pay unless it happens to equal your PF wage.
Check your payslip or EPF passbook. Choose the statutory ceiling when contributions are limited to a maximum PF wage of ₹25,000. If your eligible salary is lower, the calculator uses that lower salary, including future annual increases up to the ceiling. Choose full eligible PF wages only when your employer contributes on wages above that ceiling.
EPS is a pension scheme, not an interest bearing account balance equivalent to EPF. Pension and withdrawal benefits depend on the pensionable salary, eligible service and the scheme rules, so simply adding accumulated EPS contributions to EPF would overstate a withdrawable corpus.
For an eligible EPS member, 8.33% of pensionable wages up to ₹25,000 is diverted to EPS. The balance of the employer's 12% share is credited to EPF. When contributions are made on higher actual wages, the EPS diversion remains capped in this standard model.
EPF interest is worked out on monthly running balances and credited for the financial year. Once credited, it forms part of the opening balance for the next year. This calculator follows that timing rather than treating every contribution as if it earned a full year's interest.
No. EPF interest is determined for each financial year. The calculator keeps one rate constant only to create a projection. Try lower and higher assumptions to understand how future rate changes could affect the estimate.
If you enter an employee contribution above 12%, the excess is treated as voluntary provident fund contribution. It increases the employee amount credited to EPF, but it does not increase the employer's statutory 12% share.
In the standard case, EPS contribution stops at age 58 and the employer's share is credited to EPF instead. Special deferred pension cases can differ; this calculator does not model those arrangements.
Actual results can differ because of contribution timing, unpaid leave, bonuses treated as PF wages, job changes, withdrawals, delayed deposits, changes in salary or interest rates, EPS eligibility, higher pension options and EPFO rounding or settlement rules.
No. Tax treatment depends on service history, the reason and timing of withdrawal, and applicable tax rules. Interest on certain employee contributions may also be taxable. Check the latest rules or consult a qualified tax professional for your situation.
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This calculator provides an educational estimate, not an EPFO statement or pension quote. It assumes the projection begins in April, deposits arrive regularly each month, the annual interest rate remains constant and salary increases occur once every 12 months. It does not model withdrawals, employment gaps, higher pension arrangements, taxes or changing statutory rules.