About this calculator
Enter your basic pay plus DA, your age and your current balance. The calculator shows what the account could grow to by retirement, how much is your money, your employer’s and interest, and how this month’s contribution is split between EPF and the EPS pension scheme.
How to use it
- Enter your monthly basic pay plus DA.
- Enter your current age, retirement age and expected yearly salary increase.
- Add your current EPF balance from your passbook, if you have one.
- Choose whether you are an EPS member and whether PF is deducted on full wages or on ₹25,000.
The formula
- wages
- basic pay + dearness allowance
- EPS share
- 8.33% of wages up to ₹25,000, which goes to the pension scheme instead of EPF (up to ₹2,083 a month)
- r
- the EPF interest rate, 8.25% for 2025-26
Interest accrues monthly on the running balance and is credited once a year, so it compounds yearly, as in a real EPF account.
Worked example
Basic + DA of ₹30,000 at age 30, retiring at 58
- You put in 12% of ₹30,000 = ₹3,600 a month. Your employer also pays ₹3,600, of which 8.33% of ₹25,000 = ₹2,082.50 goes to EPS, so ₹1,517.50 goes to EPF.
- With salary rising 5% a year and interest at 8.25%, the EPF balance at 58 is ₹1,20,78,820.
- Of that, ₹25,22,992 is your money, ₹18,23,272 your employer’s, and ₹77,32,557 interest.
What the result means
Interest makes up the largest part of a long-term EPF balance, which is why withdrawing PF when changing jobs costs far more than it seems. Transferring it to the new employer keeps it compounding.
Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if your employer does not contribute) has been taxable. Most people are well below this.
Assumptions
- The same interest rate every year.
- Your salary rises by the same percentage each year, once a year.
- Contributions are made every month without breaks, and nothing is withdrawn.
- The ₹25,000 wage ceiling, effective 17 September 2026, stays unchanged.
Limitations
- EPFO declares the interest rate every year; it has been 8.25% for the last three years but can change.
- The EPS pension and EDLI insurance are separate benefits and are not included in the balance.
- Voluntary PF (VPF) contributions are not included; add them to the wages figure to approximate.
Frequently asked questions
What is the EPF interest rate now?
8.25% for 2025-26, approved by the Finance Ministry in June 2026. It was also 8.25% in the two years before.
What is the new EPF wage ceiling?
₹25,000 a month from 17 September 2026, up from ₹15,000. The EPS share is 8.33% of wages up to this ceiling, so up to ₹2,083 a month.
How much of my employer’s contribution goes to my EPF?
If you are an EPS member, 12% of wages minus the EPS share. On wages of ₹30,000 that is ₹3,600 − ₹2,082.50 = ₹1,517.50 a month.
Is EPF interest taxable?
Interest on your own contributions above ₹2.5 lakh a year has been taxable; the rest has been tax-free. Check the rules for your year.
For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.
Last reviewed on 1 October 2026. Found a mistake? Tell us.