EPF calculator
Your provident fund grows quietly every month. See what it could be worth when you retire.
Example result
- EPF at retirement
- ₹2,04,04,484
- Balance + contributions
- ₹65,80,807
- Interest earned
- ₹1,38,23,677
Year-by-year
| Age | Monthly contribution | Balance |
|---|---|---|
| 29 | ₹5,951 | ₹2,90,606 |
| 30 | ₹6,383 | ₹3,94,067 |
| 31 | ₹6,840 | ₹5,11,767 |
| 32 | ₹7,326 | ₹6,45,221 |
| 33 | ₹7,840 | ₹7,96,093 |
| 34 | ₹8,386 | ₹9,66,205 |
| 35 | ₹8,964 | ₹11,57,550 |
| 36 | ₹9,577 | ₹13,72,313 |
| 37 | ₹10,226 | ₹16,12,884 |
| 38 | ₹10,915 | ₹18,81,876 |
| 39 | ₹11,645 | ₹21,82,150 |
| 40 | ₹12,418 | ₹25,16,831 |
| 41 | ₹13,238 | ₹28,89,336 |
| 42 | ₹14,108 | ₹33,03,399 |
| 43 | ₹15,029 | ₹37,63,096 |
| 44 | ₹16,006 | ₹42,72,883 |
| 45 | ₹17,041 | ₹48,37,621 |
| 46 | ₹18,138 | ₹54,62,616 |
| 47 | ₹19,302 | ₹61,53,661 |
| 48 | ₹20,535 | ₹69,17,074 |
| 49 | ₹21,842 | ₹77,59,746 |
| 50 | ₹23,227 | ₹86,89,192 |
| 51 | ₹24,696 | ₹97,13,608 |
| 52 | ₹26,253 | ₹1,08,41,925 |
| 53 | ₹27,903 | ₹1,20,83,879 |
| 54 | ₹29,652 | ₹1,34,50,077 |
| 55 | ₹31,506 | ₹1,49,52,077 |
| 56 | ₹33,471 | ₹1,66,02,468 |
| 57 | ₹35,555 | ₹1,84,14,960 |
| 58 | ₹37,763 | ₹2,04,04,484 |
How this is calculated
Each month: employee contribution = 12% of basic + DA; employer EPF share = 12% of basic + DA − 8.33% of basic + DA (capped at the EPS wage ceiling). Interest for each month is the opening balance × annual rate ÷ 12; the year's interest is credited at year end. Basic + DA grows by the yearly increase you enter.
Questions
How much goes into EPF each month?
You contribute 12% of basic + DA. Your employer also contributes 12%, of which 8.33% (on wages up to the EPS ceiling) goes to the Employees' Pension Scheme; the rest goes to your EPF account.
How is EPF interest calculated?
EPFO calculates interest on the monthly running balance and credits it once a year. FID follows the same approach and uses the latest declared rate as the default.
Estimates for educational purposes only. Not financial, tax or investment advice.