How to use the EPF Calculator in a few steps
The EPF Calculator is designed so a typical projection takes under a minute. Follow these steps.
Step 1: Enter your monthly basic salary
Type the monthly basic salary plus Dearness Allowance on which your EPF contribution is calculated. This is the figure that drives both the 12% employee share and the 12% employer share.
Step 2: Set the tenure and interest rate
Enter the number of years you plan to contribute. Confirm the EPF interest rate of 8.25% per annum, which the tool applies monthly. You can adjust both to model different scenarios.
Step 3: Read your projected corpus
The result shows the total EPF balance at the end of your tenure, split into your contributions, the employer contributions, and the interest earned. The 12%+12% split is applied automatically.
The projection updates live as you change any input, so you can compare longer tenures or salary revisions in seconds.
Understanding the 12%+12% split
- Your 12% contribution goes entirely into your EPF account
- The employer's 12% is shared between EPF (3.67%) and EPS pension (8.33%)
- Only the EPF-linked portion of the employer contribution is added to your EPF balance
What you need to get started
Only your monthly basic salary plus D.A., and an idea of your expected tenure. Everything runs in your browser — nothing to install and no account to create.
Verdict
With the EPF Calculator you can turn your basic salary into a realistic provident fund projection in seconds — free and private.