What is an EPF Calculator?
An EPF Calculator estimates your Employees’ Provident Fund balance at retirement from your basic pay, contribution rate, salary growth and the EPF interest rate.
You and your employer each contribute 12% of basic pay plus DA. From the employer’s share, 8.33% goes to the pension scheme (EPS), so 3.67% goes into EPF. The EPFO declares the interest rate each year.
How to use the EPF Calculator
- Enter monthly basic pay + DA.
- Enter current age.
- Enter retirement age.
- Enter your contribution.
- Enter expected yearly salary increase.
- Enter EPF interest rate.
- Tap Calculate to see the result.
- Tap Reset to clear the fields and try again.
Who should use it
- Salaried employees in organisations covered by EPF
- People planning retirement savings
- Anyone checking the effect of voluntary contributions
Key terms
- Basic pay + DA
- The salary on which EPF contributions are calculated.
- Employer share
- 3.67% of basic goes to EPF; the rest goes to EPS.
- EPF interest rate
- The yearly rate declared by EPFO.
Frequently asked questions
How much is contributed to EPF each month?
Usually 12% of basic + DA from you and 3.67% from your employer.
Is EPF interest taxable?
Interest on employee contributions above ₹2.5 lakh a year is taxable.
Can I withdraw EPF before retirement?
Partial withdrawals are allowed for specific needs such as a home, medical care or education.
What happens when I change jobs?
Your UAN stays the same and the balance can be transferred.
Is my data stored?
No. Everything you enter stays in your browser and is cleared when you close the page.
Last updated: 1 November 2026