EPF Calculator | Calculate Your Employee Provident Fund Returns

EPF Calculator

Calculate your Employee Provident Fund (EPF) maturity amount, contributions, and interest earnings with our advanced calculator

Employee Details

Include Employer Contribution

Projected Results

Total Contributions

₹45,87,500

Total Interest

₹32,18,500

Maturity Value

₹78,06,000

Employee Contribution

₹27,52,500

Employer Contribution

₹18,35,000

Years to Retirement

30 years

EPF Interest Rate

8.15%

EPF Growth Projection

About Employee Provident Fund (EPF)

What is EPF?

The Employee Provident Fund (EPF) is a mandatory savings scheme established by the Indian government to help employees save for retirement. Both employees and employers contribute a portion of the salary to this fund.

Key features:

  • Mandatory for organizations with 20+ employees
  • Employee contributes 12% of basic salary + DA
  • Employer contributes 12% (3.67% to EPF, 8.33% to EPS)
  • Tax benefits under Section 80C
  • Interest rate declared annually (currently 8.15%)

Tax Benefits

EPF offers attractive tax benefits:

  • Contributions: Deductions under Section 80C up to ₹1.5 lakh per year
  • Interest: Tax-free if balance withdrawn after 5 years of continuous service
  • Maturity: Entire amount at retirement is tax-free

Withdrawals before 5 years of continuous service are taxable.

Investment Tips

  • Transfer EPF when changing jobs to maintain compounding
  • Consider voluntary contributions to maximize savings
  • Check your EPF balance regularly through the EPFO portal
  • Ensure your UAN is linked and activated
  • Use EPF as the foundation of your retirement portfolio

EPF is one of the safest retirement savings options with guaranteed returns.

This calculator provides estimates based on current EPF interest rates. Actual returns may vary. EPF interest rate for FY 2022-23 is 8.15%.