PF Calculator (EPF Corpus)
Project how big your EPF corpus will be at retirement, with the employer contribution and EPS split modelled correctly, monthly compounding at 8.25% (FY 2025-26 rate), and your expected annual increments.
EPF corpus at 58
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| Your contributions (12%) | — |
| Employer's EPF share | — |
| Interest earned | — |
| Diverted to EPS (pension) | — |
EPS builds a separate monthly pension (not shown in the corpus). Projection assumes contributions continue till retirement and interest is credited monthly at the chosen rate.
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How EPF actually compounds
Every month, 12% of your basic + DA leaves your salary and lands in your EPF account, and your employer adds their share (12%, minus up to ₹1,250 that funds your EPS pension). Interest is calculated on the monthly running balance and credited once a year, so your contributions from early in your career compound for decades. That's why the corpus curve is deceptively flat for the first 10 years and explosive in the last 10.
The interest rate matters less than your basic salary growth and whether your employer contributes on full basic or only the ₹15,000 statutory cap. Toggle both above and watch the difference; over a 28-year career it's often the difference between ₹1 crore and ₹2.5 crore.
Frequently asked questions
How is PF calculated on salary?
You contribute 12% of basic + DA to EPF every month. Your employer also contributes 12%, but 8.33% of PF wages (capped at ₹15,000/month, i.e. max ₹1,250) goes to the EPS pension scheme, so only the remainder lands in your EPF account. Interest (8.25% for FY 2025-26) is computed monthly on the running balance and credited annually.
What is the current EPF interest rate?
The EPFO declared 8.25% p.a. for FY 2025-26. The rate is reviewed every year by the EPFO Central Board and has ranged between 8.1% and 8.65% over the last decade. This calculator lets you adjust the rate for conservative or optimistic projections.
Is EPF withdrawal tax-free?
Yes. If you withdraw after 5 years of continuous service, the entire corpus (contributions + interest) is tax-free. Withdrawals before 5 years attract TDS and tax on the employer portion and interest. Note: interest on your own contributions above ₹2.5 lakh/year is taxable even while employed.
Why is my employer’s PF contribution smaller than mine in this projection?
Because 8.33% of capped PF wages (up to ₹1,250/month) is diverted from the employer’s 12% into EPS (Employee Pension Scheme). If your basic is ₹15,000 or more and your employer contributes only on the statutory cap, just ₹550/month of their share reaches EPF.
Does PF reduce my in-hand salary?
Yes. Your own 12% is deducted from monthly pay, and the employer’s 12% is usually counted inside your CTC. But it is forced savings earning a government-backed, tax-free 8.25%: at a ₹50,000 basic over 25+ years it alone typically compounds past ₹1 crore. See the exact effect on your take-home in the in-hand salary calculator.