EPF Maturity Calculator
Plan your retirement with precision. Estimate your final Employees' Provident Fund corpus based on current salary, interest rates, and expected hikes.
1. Monthly Details
2. Tenure & Rates
Total Investment
₹ 0
Total Interest
₹ 0
Retirement Corpus
₹ 0
*Calculation assumes 12% Employee and 3.67% Employer contribution to EPF.
How EPF is Calculated?
The Employees' Provident Fund (EPF) is a mandatory savings scheme for employees in India. It is one of the most effective retirement planning tools due to its tax-free status (EEE) and compounding interest.
Employee Share (12%)
12% of your Basic Salary + Dearning Allowance (DA) is deducted and credited to your EPF account.
Employer Share (3.67%)
Out of the employer's 12% contribution, only 3.67% goes to your EPF account.
Pension Share (8.33%)
The remaining 8.33% of the employer's share goes to the Employees' Pension Scheme (EPS).
Key Benefits of EPF
- Tax Free: Contributions up to ₹1.5 Lakh are deductible under Sec 80C.
- Safe Returns: Backed by the Government of India with guaranteed interest.
- Compounding: Interest is calculated monthly but credited annually, leading to massive long-term growth.
- Emergency Fund: Partial withdrawals allowed for medical, housing, or marriage needs.
EPF Calculation Example
If your Basic Salary is ₹20,000:
- ✅ Your Contribution: 12% of 20,000 = ₹2,400
- ✅ Employer EPF Share: 3.67% of 20,000 = ₹734
- ✅ Employer EPS Share: 8.33% of 20,000 = ₹1,666
- Total Monthly EPF Credit: ₹3,134