Finance
EPF Calculator
EPF is the silent corner of your retirement corpus — 12% from you and ~3.67% from your employer, compounding annually at the EPFO declared rate. Plug in your monthly basic, an appraisal assumption and the years to retirement to see exactly how much you'll have when you turn 58. Tweak basic-salary growth to see how much an extra 2% appraisal really changes the corpus.
Usually 40-50% of CTC.
EPF corpus at retirement
Your contribution
₹68,01,177
Employer (EPF only)
₹20,80,027
Interest earned
₹1,59,70,617
Total invested
₹88,81,203
Corpus
₹2,48,51,820
27.4%
8.4%
64.3%
Employer's 8.33% goes to EPS pension — only 3.67% lands in EPF. EPS isn't included here.
Peak: ₹2,48,51,820
Year-wise EPF schedule (30 years)
| Year | Monthly basic | Yearly contribution | Interest | Closing balance |
|---|---|---|---|---|
| ₹1 | ₹50,000 | ₹94,020 | ₹3,878 | ₹97,898 |
| ₹2 | ₹53,500 | ₹1,00,601 | ₹12,226 | ₹2,10,726 |
| ₹3 | ₹57,245 | ₹1,07,644 | ₹21,825 | ₹3,40,195 |
| ₹4 | ₹61,252 | ₹1,15,179 | ₹32,817 | ₹4,88,191 |
| ₹5 | ₹65,540 | ₹1,23,241 | ₹45,359 | ₹6,56,791 |
| ₹6 | ₹70,128 | ₹1,31,868 | ₹59,625 | ₹8,48,284 |
| ₹7 | ₹75,037 | ₹1,41,099 | ₹75,804 | ₹10,65,186 |
| ₹8 | ₹80,289 | ₹1,50,976 | ₹94,106 | ₹13,10,267 |
| ₹9 | ₹85,909 | ₹1,61,544 | ₹1,14,761 | ₹15,86,572 |
| ₹10 | ₹91,923 | ₹1,72,852 | ₹1,38,022 | ₹18,97,446 |
| ₹11 | ₹98,358 | ₹1,84,952 | ₹1,64,169 | ₹22,46,566 |
| ₹12 | ₹1,05,243 | ₹1,97,898 | ₹1,93,505 | ₹26,37,970 |
| ₹13 | ₹1,12,610 | ₹2,11,751 | ₹2,26,367 | ₹30,76,088 |
| ₹14 | ₹1,20,492 | ₹2,26,574 | ₹2,63,123 | ₹35,65,785 |
| ₹15 | ₹1,28,927 | ₹2,42,434 | ₹3,04,178 | ₹41,12,396 |
| ₹16 | ₹1,37,952 | ₹2,59,404 | ₹3,49,973 | ₹47,21,774 |
| ₹17 | ₹1,47,608 | ₹2,77,562 | ₹4,00,996 | ₹54,00,332 |
| ₹18 | ₹1,57,941 | ₹2,96,992 | ₹4,57,778 | ₹61,55,102 |
| ₹19 | ₹1,68,997 | ₹3,17,781 | ₹5,20,904 | ₹69,93,787 |
| ₹20 | ₹1,80,826 | ₹3,40,026 | ₹5,91,014 | ₹79,24,827 |
| ₹21 | ₹1,93,484 | ₹3,63,828 | ₹6,68,806 | ₹89,57,461 |
| ₹22 | ₹2,07,028 | ₹3,89,296 | ₹7,55,049 | ₹1,01,01,805 |
| ₹23 | ₹2,21,520 | ₹4,16,546 | ₹8,50,581 | ₹1,13,68,933 |
| ₹24 | ₹2,37,026 | ₹4,45,705 | ₹9,56,322 | ₹1,27,70,960 |
| ₹25 | ₹2,53,618 | ₹4,76,904 | ₹10,73,277 | ₹1,43,21,141 |
| ₹26 | ₹2,71,372 | ₹5,10,287 | ₹12,02,543 | ₹1,60,33,971 |
| ₹27 | ₹2,90,368 | ₹5,46,007 | ₹13,45,325 | ₹1,79,25,304 |
| ₹28 | ₹3,10,693 | ₹5,84,228 | ₹15,02,937 | ₹2,00,12,469 |
| ₹29 | ₹3,32,442 | ₹6,25,124 | ₹16,76,815 | ₹2,23,14,408 |
| ₹30 | ₹3,55,713 | ₹6,68,882 | ₹18,68,530 | ₹2,48,51,820 |
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Frequently asked
- Why only 3.67% from employer and not the full 12%?
- Out of the employer's 12% contribution, 8.33% goes into EPS (Employee Pension Scheme) — a defined-benefit pension, not the EPF balance. Only the remaining 3.67% lands in your EPF account.
- Is EPF interest taxable?
- Interest is tax-free up to ₹2.5 lakh of annual employee contribution (₹5 lakh if employer doesn't contribute). Contributions above that earn taxable interest at slab rate from FY 2021-22 onwards.
- Should I top up via VPF?
- If you've maxed out PPF and still want sovereign-backed debt at EPF rates, VPF is one of the best options available — same rate, same tax treatment, no extra paperwork. Just remember the new ₹2.5L taxability cap above.
Try PPF next →
PPF