EPF Calculator

See your Employees' Provident Fund grow over your career — tax-free, compounding every year as your salary rises.

📖 About this tool

What it does

Compounds your monthly EPF contributions (yours + employer) at the EPFO rate, with your basic salary rising each year, and shows the tax-free corpus at retirement. EPF is EEE once the account is 5+ years old.

Who this helps

Salaried private-sector employees — the backbone of most corporate workers' retirement savings, alongside NPS and mutual-fund SIPs.

What it doesn't do

Simplifies the EPS split (8.33% of the employer share funds a separate pension), the ₹15k wage ceiling on that split, and assumes today's rate holds. Adjust the contribution rate to match your payslip.

Inputs

Your EPF

Your EPF Corpus

EPF Balance Over Time
Year-by-Year
YearBalanceInvestedGains