Project the maturity value of your EPF (Employee Provident Fund) account with employer, employee and salary-hike modelling.
Retiring in 30 years at 8.25% yields a corpus of ₹1,14,03,352.
Employees' Provident Fund is a mandatory retirement scheme for employees earning basic + DA up to ₹15,000 (voluntary above). Employee contributes 12% of basic + DA; employer matches 12% (of which 8.33% goes to EPS, capped at ₹15,000 basic). Current rate 8.25% p.a. compounded annually — the highest fixed-income sovereign rate available. Contributions qualify under Section 80C; interest is exempt if service ≥5 years at withdrawal.
This calculator projects the EPF corpus at retirement for any starting salary, annual hike, current age and retirement age — factoring in the split between EPF and EPS and the employer's matching contribution.
Mid-career professional projects EPF corpus at retirement.
Withdrawing on job change — resets 5-year clock, may trigger tax.
Not activating UAN / linking Aadhaar — blocks online claims.
Ignoring EPS — separate 8.33% employer share, gives lifetime pension.
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Always transfer EPF (Form 13) on job change — preserves 5-year continuity.
Add VPF (Voluntary PF) up to 100% of basic — same 8.25% tax-free returns.
Post 5 years of service, EPF withdrawal is fully tax-exempt.
12% of Basic+DA, of which 8.33% goes to EPS (pension, capped) and 3.67% to EPF.
Yes if you complete 5 years of continuous service. Earlier withdrawal is taxable and may attract TDS.
8.25% for FY 2024-25, declared annually by EPFO.
12% of Basic+DA, of which 8.33% goes to EPS (pension, capped) and 3.67% to EPF.
via EPF CalculatorYes if you complete 5 years of continuous service. Earlier withdrawal is taxable and may attract TDS.
via EPF CalculatorThe bonus / variable pay is shown separately since it is typically paid annually, not monthly.
via In-Hand Salary CalculatorThis dataset is free to reference in articles, research and reports. Attribution to Taxpex Consultancy is all we ask. Data last verified 31 July 2026.
Taxpex Consultancy. (2026). EPF Calculator — Taxpex. Retrieved from https://taxpex.com/tools/salary-payroll/epf-calculator<a href="https://taxpex.com/tools/salary-payroll/epf-calculator">EPF Calculator — Taxpex</a> — Taxpex Consultancy