EPF (Employee Provident Fund) Calculator
Estimate your accumulated Employee Provident Fund retirement corpus based on current salary, interest rates, and annual hikes.
EPF Balance Projections
Frequently Asked Questions
What is the employee and employer share in EPF?
Both employee and employer contribute 12% of the basic salary. The employee's 12% goes directly to the EPF. The employer's 12% is split: 8.33% goes to the EPS pension account (capped at ₹1,250/month) and the remainder (usually 3.67% plus surplus) goes to the EPF.
What is the current EPF interest rate?
For recent financial cycles, the government has set the EPF interest rate at 8.25% per annum. While interest accumulates monthly on the outstanding balance, it is officially credited to the employee's ledger at the end of the fiscal year.
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EPF: The Invisible Wealth Builder That Most Indian Employees Underestimate
If you're a salaried employee in India drawing more than ₹15,000/month, you almost certainly have an EPF (Employees' Provident Fund) account. And if you're like most people, you never look at it — until you switch jobs and realise there's ₹8–15 lakhs sitting there you forgot about.
EPF is a forced savings mechanism: both you and your employer contribute 12% of your Basic Salary + DA monthly. Your full 12% goes into the EPF corpus. Of your employer's 12%, 8.33% goes to EPS (Employee Pension Scheme) and 3.67% to EPF. The current EPF interest rate is 8.25% p.a., tax-free.
For a ₹40,000 Basic + DA employee, that's ₹4,800/month into EPF from your side alone. At 8.25% over 30 years: this alone builds a corpus of approximately ₹87 lakhs, completely tax-free. Add employer contributions (₹1,468/month to EPF) and the combined corpus can exceed ₹1.2 crore.
One critical action: always transfer your EPF when changing jobs using the UAN (Universal Account Number) portal. Inactive EPF accounts still earn interest (as long as balance exists), but unclaimed EPF lapses to the Employees' Provident Fund Organisation (EPFO) after 7 years of inactivity and is difficult to recover.
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