What does the EPF Calculator do?
The EPF Calculator estimates your Employees' Provident Fund corpus based on the current 8.25% annual interest rate and the standard 12%+12% employee and employer contribution split. It shows how much you and your employer contribute each month, how interest accumulates, and what your total EPF balance will be at the end of a chosen period.
Common uses
- Retirement planning — see how your EPF corpus grows over 10, 20, or 30 years at the prevailing 8.25% interest rate
- Employer contribution check — verify how the employer's 12% contribution (split into EPF 3.67% and EPS 8.33%) adds to your balance
- Monthly budgeting — understand exactly how much of your basic salary plus D.A. goes into EPF each month
- Tax planning — confirm how your employee contribution qualifies for a deduction under Section 80C
Key features
- 8.25% interest — uses the current EPF interest rate to project your corpus accurately, compounded monthly
- 12%+12% split — models both employee and employer contributions as a percentage of basic plus D.A.
- Employer vs employee — shows the separate contribution amounts so you can see how each side builds your balance
How it works
Enter your monthly basic salary plus Dearness Allowance, the current EPF interest rate, and the number of years you plan to contribute. The tool calculates your monthly employee contribution (12% of basic+D.A.) and the employer contribution, applies the 8.25% annual interest compounded monthly, and projects the total EPF corpus at the end of the chosen tenure. The result breaks down total contributions versus interest earned so you see how compounding grows your fund.
Verdict
The EPF Calculator gives you a clear picture of your provident fund growth at 8.25% with the exact 12%+12% split — free, private, and always available.