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EPF Calculator
Calculate Employee Provident Fund (EPF) balance and returns
Calculate Your EPF Balance
₹
₹
%
Monthly Contribution Breakdown
Employee EPF:₹6,000
Employer EPF:₹4,751
(EPS: ₹1,250)
Total Monthly EPF:₹10,751
%
Yr
Total EPF balance
₹9,45,928
Estimated returns
₹2,00,898
Total employee contribution
₹3,60,000
Total employer EPF contribution
₹2,85,030
EPF Balance Growth Over Time
Total Contributions
₹6,45,030
EPF Balance
₹9,45,928
Contribution Breakdown
Current Balance₹1,00,000
Employee Contribution₹3,60,000
Employer EPF Contribution₹2,85,030
Employer EPS Contribution (Pension)₹74,970
Total EPF Contributions₹6,45,030
Estimated Returns₹2,00,898
Total EPF Balance₹9,45,928
EPF Features & Benefits
Tax Benefits:
- • Employee contribution eligible for Section 80C deduction (up to ₹1.5 lakh)
- • Interest earned is tax-free
- • Withdrawal after 5 years of continuous service is tax-free
- • Employer contribution is tax-free
Contribution Structure:
- • Employee: 12% of Basic + DA (mandatory)
- • Employer: 12% split into EPF (3.67%) and EPS (8.33%)
- • EPS Cap: 8.33% of ₹15,000 = ₹1,250/month maximum
- • VPF: Employees can contribute additional amounts voluntarily
- • Interest compounded monthly at current rate (8.15-8.25% p.a.)
Important Notes:
- • EPF balance can be withdrawn after retirement, resignation, or unemployment
- • Partial withdrawal allowed for specific purposes (home loan, medical emergency, etc.)
- • EPS provides pension post-retirement (separate from EPF)
- • Interest rate is reviewed annually by EPFO
Disclaimer: This calculator is for estimation purposes only. Results are approximate and may vary from actual values. Please consult with a financial advisor for personalized advice.