Accurate EPF Corpus Calculator
Track your Provident Fund growth. Estimate how your Basic Salary, Employer contributions, and annual increments compound over your career to build a massive retirement corpus.
Employee Share
12% of Basic + DA
Employer Share
3.67% to EPF Corpus
Annual Hike
Factor in Salary Growth
Govt Guarantee
Safe & Secure Returns
What is an EPF Calculator?
A tool designed for salaried professionals to forecast their retirement savings based on current salary, expected increments, and mandated contribution rules.
Your Compulsory Savings Tracker
The Employee Provident Fund (EPF) is a retirement benefit scheme for salaried employees. Every month, 12% of your Basic Salary + DA is deducted from your pay, and your employer matches this contribution. However, the employer's share is split: 3.67% goes to EPF, and 8.33% goes to the Employee Pension Scheme (EPS). This calculator focuses on the **EPF Corpus** growth.
Salary Hike Impact
Unlike fixed investments, your EPF contribution increases every time you get a raise. Our tool factors in your annual increment percentage.
Compound Interest
Interest is calculated monthly on the running balance but credited annually, creating a compounding effect over your career.
Tax Benefits
Your share is tax-deductible under Section 80C. The interest and maturity amount are generally tax-free (conditions apply).
Split Contribution Logic
Automatically separates the Employer's contribution into EPF (3.67%) and EPS (8.33%) for accurate corpus calculation.
Existing Balance
Have you been working for a while? Input your current accumulated EPF balance to see how it will grow further.
Career Schedule
View a detailed year-by-year table showing how your salary increments boost your PF balance over time.
Why Choose Our EPF Calculator?
EPS vs EPF Logic
Most basic calculators wrongly add the full 12% employer share to your balance. We correctly separate the Pension Scheme portion.
Salary Increment Factor
We allow you to input an annual salary hike percentage, making the long-term projection much more realistic.
100% Private
Your salary data is sensitive. We process everything in your browser—no data is sent to our servers.
EPF Calculator
Estimate your Provident Fund maturity amount for a secure retirement.
Growth Factors
How to Use the EPF Calculator
Check how much your retirement corpus will be in 3 simple steps.
Enter Salary Details
Input your current **Basic Salary + DA** (Dearness Allowance). This is the component of your salary on which PF is deducted. Also, enter your current EPF balance if you have already started working.
Set Growth Parameters
Enter your current age and planned retirement age (usually 58 or 60). Crucially, estimate your annual salary increment % (average hike), as this significantly boosts your corpus over time.
View Maturity Amount
Click Calculate to see your total accumulated corpus, the total interest earned, and a chart showing the breakdown of your vs employer's contribution.
Decoding EPF Rules
Where does your 24% contribution actually go?
| Component | Contribution % | Destination |
|---|---|---|
| Employee Share | 12% | Goes entirely to your EPF Corpus (Interest earning). |
| Employer Share A | 3.67% | Added to your EPF Corpus (Interest earning). |
| Employer Share B | 8.33% | Goes to Employee Pension Scheme (EPS). No interest, used for monthly pension. |
| VPF (Optional) | Voluntary | You can voluntarily contribute >12% to EPF for higher savings. |
* Note: The EPS contribution is capped on a wage ceiling of ₹15,000/month (i.e., max ₹1,250/month to EPS), unless opted for higher pension. This calculator focuses on the EPF Corpus accumulation.
Benefits of EPF
It's not just a forced deduction; it's a powerful financial tool.
EEE Tax Status
EPF is one of the few instruments that enjoy Exempt-Exempt-Exempt status (for contributions up to ₹2.5 Lakhs/year). The contribution is deductible u/s 80C, interest is tax-free, and maturity is tax-free after 5 years of service.
Emergency Withdrawals
While meant for retirement, EPF allows partial withdrawals for specific life events like marriage, higher education, buying a house, or medical emergencies. It acts as a hidden safety net.
EPF vs PPF
Comparing the two most popular Provident Fund schemes in India.
EPF
Best for salaried. Higher interest + Employer money.
PPF
Best for self-employed or additional tax saving.
The Power of Hikes
See how an annual salary increment drastically changes your final EPF corpus.
Impact of 10% Annual Increment
Profile: 25 Years Old, Basic Salary ₹25,000
With 0% Increment
₹ 1.15 Crore
Corpus at age 58
With 10% Increment
₹ 4.52 Crore
Corpus at age 58
Insight: EPF acts as an automatic wealth multiplier because your contribution increases every time you get a promotion or hike.
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Frequently Asked Questions
Common queries about Provident Fund.
What happens to EPF if I change jobs?
Your EPF account is linked to your UAN (Universal Account Number). When you switch jobs, you simply need to provide your UAN to the new employer, and the balance will be transferred or continued. It does not lapse.
Can I contribute more than 12%?
Yes, under the VPF (Voluntary Provident Fund) provision, an employee can contribute up to 100% of their Basic Salary + DA to EPF. However, the employer is not bound to match contributions above the mandatory 12%.
Is EPF withdrawal taxable?
If you withdraw EPF after 5 years of continuous service, it is tax-free. If withdrawn before 5 years, it is taxable. Maturity at retirement is fully tax-free.
Have Specific Questions?
Rules regarding partial withdrawal and pensions can be complex. Contact us for help.
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