EPF Calculator: frequently asked questions
Straight answers to the questions people ask most about the EPF Calculator.
What interest rate does the EPF Calculator use?
The tool uses the current EPF interest rate of 8.25% per annum, compounded monthly. You can adjust it if you want to stress-test the projection with a different assumption.
How does the 12%+12% split work?
You contribute 12% of your basic salary plus D.A. to EPF, and your employer contributes another 12%. The employer's share is split — 3.67% goes to EPF while 8.33% goes to the EPS pension scheme.
What does employer vs employee mean in the result?
The result shows your own 12% contribution and the employer's EPF-linked contribution separately, so you can see how each side builds your balance over time.
Are my EPF contributions tax deductible?
Yes. Your employee contribution of 12% of basic plus D.A. is eligible for a deduction under Section 80C, subject to the overall 80C limit of 1.5 lakh per financial year.
Does the calculator project interest every year?
The EPF interest of 8.25% is compounded monthly on your running balance, and the tool shows the total interest earned across the full tenure alongside the total contributions.
Verdict
If you were unsure about the EPF Calculator, now you know: it projects your corpus at 8.25% with the exact 12%+12% split and shows employer vs employee contributions. Start at EPF Calculator.