Retirement
EPF Calculator
Project your Provident Fund maturity including employer share and annual salary hikes.
Your details
FY 2024-25 declared rate: 8.25%
EPF maturity
₹96,97,631
after 30 years
- Employee share
- ₹23,91,799
- Employer share (3.67%)
- ₹7,31,492
- Total contributions
- ₹31,23,290
- Interest earned
- ₹65,74,341
Employee 12% + Employer 3.67% into EPF. Remaining 8.33% employer goes to EPS (pension).
Share split
- Employee
- Employer
- Interest
Total: ₹96.98 L
Year-by-year balance
Formula
How the math works
Monthly credit = Employee 12% + Employer 3.67% of (Basic + DA); interest at 8.25% p.a. (FY 2024-25).
- Employee
- 12% of Basic + DA
- Employer
- 3.67% into EPF (rest 8.33% into EPS)
- Rate
- Announced yearly by EPFO
Method
How it works
- 1
Enter your current age and expected retirement age (usually 58).
- 2
Enter your monthly Basic + DA and expected annual hike.
- 3
CalcPe accrues 12% (employee) + 3.67% (employer) every month with EPF interest compounded monthly.
- 4
You get the total EPF balance at retirement with a full share breakdown.
Worked example
A quick walkthrough
Inputs
Age 30, retire at 58, Basic+DA ₹25,000, 5% hike, 8.25% interest.
Steps
- 28 years of contribution
- Monthly employee ₹3,000 · employer ₹917 (rising with hikes)
- Compound monthly
Result
Corpus ≈ ₹1 Cr+ with employee/employer shares split shown.
Why use it
Why CalcPe’s EPF Calculator
- Tax-free maturity (if 5+ years continuous service).
- One of the safest debt instruments in India.
- 80C deduction on your employee contribution.
- Higher effective return than most FDs.
FAQ
Frequently asked questions
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