EPF / EPFO Calculator

Project your Provident Fund corpus at retirement, year by year.

Monthly Basic + DA

₹

Current age

yrs

Retirement age

yrs

Current EPF balance

₹

Employee share

Raise above 12% for VPF.

Employer share (EPF)

Rest of employer 12% funds EPS pension.

Annual salary hike

EPF interest rate

8.25% declared by EPFO for FY 2025-26.

EPF balance at age 58

₹1,61,26,887

Total interest earned₹1,14,67,057

Your total contribution₹34,15,314

Employer contribution₹10,44,517

Interest earned

₹1,14,67,057

You put in

₹34,15,314

Employer put in

₹10,44,517

Starting balance

₹2,00,000

Balance compounds on contributions plus the declared interest rate.

Simplified estimate. EPS pension split, the ₹15,000 wage ceiling and mid-year rate changes are not modelled.