EPF Calculator — Provident Fund Corpus Growth
Estimate your Employees' Provident Fund corpus at 8.25% with the 12%+12% contribution split
How to Use EPF Calculator
Estimate your Employees' Provident Fund corpus at 8.25% with the 12%+12% contribution split No signup, and nothing gets uploaded for most use.
- 1
Enter your numbers in the input fields.
- 2
Choose the calculation options or frequency.
- 3
The result updates instantly as you type.
- 4
Review the breakdown, chart, or schedule, and copy the answer.
Why you might like it
- Nothing to upload — the work happens on your device.
- Free with no signup, no watermarks, and no daily limits.
- Works in any modern browser on any device — nothing to install.
- Usually done in a few seconds, so it doesn't get in your way.
Frequently Asked Questions
What is the current EPF interest rate?▾
The Employees' Provident Fund interest rate is 8.25% per annum for FY 2025-26. Interest is calculated monthly on the running balance and credited to your account at the end of the financial year.
How are employee and employer EPF contributions split?▾
The employee contributes 12% of basic salary + DA to EPF. The employer also contributes 12%, but 8.33% of that (capped at ₹1,250 a month, i.e. 8.33% of ₹15,000) goes to the Employees' Pension Scheme (EPS) and the remaining 3.67% goes to your EPF. Your total EPF balance is therefore employee 12% + employer 3.67%.
When can I withdraw my full EPF balance?▾
You can withdraw the full balance on retirement, or after 2 months of unemployment. Partial withdrawals are allowed for reasons like home purchase, medical treatment, marriage or education. Withdrawals after 5 years of continuous service are tax-free.
Is EPF interest taxable?▾
Interest earned on your own contributions up to ₹2.5 lakh per year is tax-free; interest above that is taxable in the new regime's higher tier. Employer contributions above ₹7.5 lakh a year are also taxable as perquisites. The maturity corpus is tax-free after 5 years of service.
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