How much goes to EPF from salary?

Employee: 12% of basic + DA. Employer: 12% of basic + DA, but part goes to EPS (pension) and the rest to your EPF. EPS is capped at ₹1,250/month when basic exceeds ₹15,000.

How does EPFO pay interest?

Declared once a year (rate set by the government). It is applied on your opening balance each month and credited in one lump at year-end. This tool follows that passbook-style method.

Is EPF taxable on withdrawal?

Employee contribution qualifies under Section 80C (within the ₹1.5 lakh cap). Withdrawal after 5 years of continuous service is generally tax-free. Match the figure with your EPFO passbook before planning around it.

EPF Calculator

Estimate your EPF balance at retirement from salary, contributions, and tenure

EPF Details

Monthly Basic Salary + DA (₹)

Employee Contribution (%)

Statutory rate is 12% of basic + DA; VPF is optional above that.

Current Age

Retirement Age

Annual Interest Rate (%)

EPFO rate for FY 2025-26 is 8.25%; notified each financial year.

Current EPF Balance (₹)

If you have existing EPF balance

Expected Annual Salary Increment (%)

EPF Balance at Retirement

₹2,27,49,267

Your Contribution:₹42,04,986

Employer Contribution:₹37,84,986

Interest Earned:₹1,47,59,295

Total at Retirement:₹2,27,49,267

Contribution Summary

Basic Salary (Current)₹50,000

Monthly Contribution₹10,750

Years to Retirement28 years

Interest Rate8.25% p.a.

Employee Share₹42,04,986

Employer Share₹37,84,986

Total Balance₹2,27,49,267

Balance Breakdown

Employee Contribution18.5%

Employer Contribution16.6%

Interest Earned64.9%

₹8,12,474

Avg Annual Growth

₹10,750

Total Monthly EPF Contribution

Year-by-Year Account Growth

Year-wise opening balance, deposits, interest, and closing balance.

Year	Age	Opening Balance	Basic Salary	Employee Deposit	Employer Deposit	Interest Earned	Closing Balance
Year 1	30	₹0	₹50,000	₹72,000	₹57,000	₹4,878	₹1,33,878
Year 2	31	₹1,33,878	₹52,500	₹75,600	₹60,600	₹16,195	₹2,86,273
Year 3	32	₹2,86,273	₹55,125	₹79,380	₹64,380	₹29,053	₹4,59,086
Year 4	33	₹4,59,086	₹57,881	₹83,349	₹68,349	₹43,611	₹6,54,395
Year 5	34	₹6,54,395	₹60,775	₹87,516	₹72,516	₹60,039	₹8,74,467
Year 6	35	₹8,74,467	₹63,814	₹91,892	₹76,892	₹78,526	₹11,21,777
Year 7	36	₹11,21,777	₹67,005	₹96,487	₹81,487	₹99,276	₹13,99,027
Year 8	37	₹13,99,027	₹70,355	₹1,01,311	₹86,311	₹1,22,514	₹17,09,163
Year 9	38	₹17,09,163	₹73,873	₹1,06,377	₹91,377	₹1,48,484	₹20,55,401
Year 10	39	₹20,55,401	₹77,566	₹1,11,696	₹96,696	₹1,77,450	₹24,41,242
Year 11	40	₹24,41,242	₹81,445	₹1,17,280	₹1,02,280	₹2,09,705	₹28,70,508
Year 12	41	₹28,70,508	₹85,517	₹1,23,144	₹1,08,144	₹2,45,562	₹33,47,359
Year 13	42	₹33,47,359	₹89,793	₹1,29,302	₹1,14,302	₹2,85,368	₹38,76,331
Year 14	43	₹38,76,331	₹94,282	₹1,35,767	₹1,20,767	₹3,29,497	₹44,62,362
Year 15	44	₹44,62,362	₹98,997	₹1,42,555	₹1,27,555	₹3,78,358	₹51,10,830
Year 16	45	₹51,10,830	₹1,03,946	₹1,49,683	₹1,34,683	₹4,32,396	₹58,27,592
Year 17	46	₹58,27,592	₹1,09,144	₹1,57,167	₹1,42,167	₹4,92,095	₹66,19,021
Year 18	47	₹66,19,021	₹1,14,601	₹1,65,025	₹1,50,025	₹5,57,982	₹74,92,053
Year 19	48	₹74,92,053	₹1,20,331	₹1,73,277	₹1,58,277	₹6,30,631	₹84,54,238
Year 20	49	₹84,54,238	₹1,26,348	₹1,81,940	₹1,66,940	₹7,10,667	₹95,13,785
Year 21	50	₹95,13,785	₹1,32,665	₹1,91,037	₹1,76,037	₹7,98,767	₹1,06,79,628
Year 22	51	₹1,06,79,628	₹1,39,298	₹2,00,589	₹1,85,589	₹8,95,672	₹1,19,61,478
Year 23	52	₹1,19,61,478	₹1,46,263	₹2,10,619	₹1,95,619	₹10,02,183	₹1,33,69,898
Year 24	53	₹1,33,69,898	₹1,53,576	₹2,21,150	₹2,06,150	₹11,19,174	₹1,49,16,371
Year 25	54	₹1,49,16,371	₹1,61,255	₹2,32,207	₹2,17,207	₹12,47,594	₹1,66,13,380
Year 26	55	₹1,66,13,380	₹1,69,318	₹2,43,818	₹2,28,818	₹13,88,475	₹1,84,74,490
Year 27	56	₹1,84,74,490	₹1,77,784	₹2,56,008	₹2,41,008	₹15,42,939	₹2,05,14,446
Year 28	57	₹2,05,14,446	₹1,86,673	₹2,68,809	₹2,53,809	₹17,12,203	₹2,27,49,267
Total:				₹42,04,986	₹37,84,986	₹1,47,59,295	₹2,27,49,267

Rate comparison

Same contributions over 28 years at different EPF rates.

Interest Rate	Total Contribution	Interest Earned	Maturity Amount	Difference
7.5% p.a.	₹79,89,972	₹1,24,30,999	₹2,04,20,971	-₹23,28,296
8% p.a.	₹79,89,972	₹1,39,49,428	₹2,19,39,400	-₹8,09,867
8.25% p.a.(Current)	₹79,89,972	₹1,47,59,295	₹2,27,49,267	+₹0
8.5% p.a.	₹79,89,972	₹1,56,05,049	₹2,35,95,021	+₹8,45,753
9% p.a.	₹79,89,972	₹1,74,11,024	₹2,54,00,996	+₹26,51,729

Current rate highlighted.

About EPF

What is EPF?

EPF is a retirement fund for salaried employees in organisations covered by EPFO. You and your employer each contribute 12% of basic salary and dearness allowance. The employer's share is split between EPS (pension) and your EPF account.

How this calculator works

It projects balance using EPFO passbook rules: monthly interest on the opening balance, credited once a year. Employer EPF is 12% minus EPS, with EPS capped at ₹1,250/month when basic exceeds ₹15,000. Salary increment applies from year two.

At ₹50,000 basic, monthly EPF is ₹10,750 (₹6,000 employee + ₹4,750 employer EPF).

Employer split

• Employee: full 12% goes to EPF
• Employer: 8.33% to EPS, balance to EPF
• EPS is capped at ₹1,250/month (on basic up to ₹15,000)
• EPS balance is separate — not included in EPF maturity here

Withdrawal

• Full withdrawal allowed at retirement (typically age 58)
• Partial withdrawal for house, education, medical, unemployment
• Rules and limits are on the EPFO portal — forms vary by reason

Tax

• Employee contribution: eligible under Section 80C (within ₹1.5 lakh limit)
• Interest: tax-free if contributions continued for 5+ years
• Withdrawal after 5 years of continuous service is generally tax-free

Check your balance

Log in to the EPFO member portal or UMANG app with your UAN to see the actual passbook. This tool is a projection — rates, increments, and job changes will differ from any single employer stint.

Disclaimer: Figures are estimates based on EPFO interest rules. Actual balances depend on your passbook, transfers, and rate revisions. Confirm details on epfindia.gov.in or with your employer.

Questions & answers

How much goes to EPF from salary?: Employee: 12% of basic + DA. Employer: 12% of basic + DA, but part goes to EPS (pension) and the rest to your EPF. EPS is capped at ₹1,250/month when basic exceeds ₹15,000.
How does EPFO pay interest?: Declared once a year (rate set by the government). It is applied on your opening balance each month and credited in one lump at year-end. This tool follows that passbook-style method.
Is EPF taxable on withdrawal?: Employee contribution qualifies under Section 80C (within the ₹1.5 lakh cap). Withdrawal after 5 years of continuous service is generally tax-free. Match the figure with your EPFO passbook before planning around it.

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