Free EPF Calculator β Estimate Your Employee Provident Fund Returns
Our EPF Calculator helps you calculate your retirement corpus, yearly contributions, and total interest earned under the Employee Provident Fund (EPF) scheme. Whether you are planning long-term savings, retirement security, or wealth accumulation, this free tool provides accurate projections in seconds.
Just enter your monthly or annual salary, current age, EPF contribution percentage, and the latest EPF interest rate to see how your corpus grows over time. The calculator also shows a year-by-year breakdown of employee contribution, employer contribution, and interest earned.
How the EPF Calculator Works
The EPF maturity calculator uses compound interest (credited monthly) and accounts for:
- Employee Contribution: 12% of Basic + Dearness Allowance (DA).
- Employer Contribution: 12% of Basic + DA, with 8.33% to EPS (pension) and 3.67% to EPF.
- EPF Interest Rate: As declared by the government for the financial year.
- Salary Increments: Annual salary increase is considered for accurate projections.
Using these inputs, the tool calculates your total employee contribution, employer contribution, interest earned, and retirement corpus with full accuracy.
FAQs About EPF Calculator
1. What is the employee contribution to EPF?
Typically, 12% of your Basic + DA goes into the EPF account.
2. How is the employer contribution split?
Out of 12% of Basic + DA, 8.33% goes to EPS (pension) and the remaining 3.67% goes to EPF.
3. Is EPF interest compounded monthly?
Yes, interest is calculated monthly and credited annually.
4. Can I estimate retirement corpus accurately?
Yes, the calculator accounts for salary growth, monthly contributions, and interest compounding.
5. Is EPF applicable for all salaried employees?
Employees earning up to βΉ15,000/month in basic salary are mandatorily covered under EPF. Voluntary contributions can be made beyond that limit.
Tip: Bookmark this free EPF Calculator to quickly plan your retirement and track your corpus growth anytime.