PF calculator: what will your EPF be worth when you retire?

You contribute 12% of your monthly Basic + DA to EPF, and your employer contributes another 12%. Of the employer's share, 8.33% goes to the Employees' Pension Scheme (EPS), worked out on wages up to ₹15,000 — so at most ₹1,250 a month — and the rest goes into your EPF account. On a ₹30,000 Basic, that's ₹3,600 from you, ₹2,350 from your employer into EPF and ₹1,250 into EPS. Interest is then added on the running balance. This calculator projects all of that to retirement, but it's an estimate: your real balance depends on your actual pay rises and the rate EPFO declares each year.

12% of your Basic + DA — not 12% of your CTC or your gross pay. Your employer adds another 12% of the same wage. So if your Basic is half your CTC, as many Indian salary structures are, your own PF works out to roughly 6% of CTC. If your employer calculates PF on the ₹15,000 wage ceiling instead of your full Basic, your contribution is a flat ₹1,800 a month however much you earn.

8.25% a year. The EPFO Central Board of Trustees recommended it in March 2026, the Government agreed in June 2026, and EPFO issued the directive on 1 July 2026. FY 2024-25 was also 8.25%. The rate is declared every year, so it can go up or down in future — this calculator uses 8.25% by default and lets you change it to see a different scenario.

8.33% goes to EPS (your pension), calculated on wages capped at ₹15,000, so it never exceeds ₹1,250 a month. The remainder — 3.67%, plus anything above that EPS cap — goes to your EPF account. If you joined on or after 1 September 2014 with Basic + DA above ₹15,000, you're not an EPS member, and your employer's full 12% goes to EPF instead. EPS money builds toward a monthly pension and isn't part of your EPF balance, so this calculator shows it separately rather than adding it to the corpus.

Mostly not, but there's a limit. Since FY 2021-22, interest on your own contributions above ₹2.5 lakh a year is taxable (₹5 lakh where there's no employer contribution). Your contributions count under Section 80C, but only in the old tax regime. Withdrawing before 5 years of continuous service is also taxable. This calculator flags when your own contributions cross ₹2.5 lakh a year, but it doesn't deduct any tax from the projection — check your own situation with a chartered accountant.

VPF (Voluntary Provident Fund) is anything extra you choose to put into your EPF account on top of the mandatory 12% — your employer doesn't have to match it. It earns the same interest rate as EPF. It also counts toward the ₹2.5 lakh-a-year limit, so interest on your combined contributions above that is taxable. Add a monthly VPF amount in the calculator to see what it adds by retirement.

EPF matures when you retire at 58, and that's when the full balance becomes payable. EPFO also allows partial withdrawals and advances for specific purposes, and in some cases a withdrawal after you leave a job, but the conditions are set by EPFO and change from time to time — check the current rules on the EPFO portal before you plan around one. Keep in mind that withdrawing before 5 years of continuous service is taxable, and that every withdrawal shrinks the corpus this calculator projects.