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EPF Calculator

Calculate your Employee Provident Fund retirement corpus at 8.25% interest

📝Your Details

₹

EPF is calculated on Basic + DA only

Current rate: 8.25% (FY 2025-26)

📊EPF at Retirement

Years of Service 33 years
Total Employee Contribution —
Total Employer Contribution —
Total Interest Earned —
EPF Corpus at Retirement
—
100% tax-free if continuous service ≥5 years

Monthly Contributions Now

Employee (12%)—
EPF Employer (3.67%)—
EPS Employer (8.33%)—
Total to EPF Account—

Frequently Asked Questions

How is EPF calculated? +
Employee contributes 12% of (Basic + DA) every month. Employer also contributes 12%, but split: 3.67% goes to EPF account + 8.33% goes to EPS (Employee Pension Scheme, capped at 8.33% of ₹15,000 = ₹1,250/month). Interest @8.25% is calculated monthly and credited yearly.
Is EPF tax-free? +
EPF enjoys EEE status: (1) Employee contribution gives 80C deduction up to ₹1.5 lakh, (2) Interest earned is tax-free if EPF rate ≤9.5%, (3) Withdrawal is tax-free if continuous service ≥5 years. If withdrawn before 5 years, entire amount becomes taxable.
Can I withdraw EPF before retirement? +
Yes, partial withdrawal allowed for: marriage (after 7 yrs), home purchase (after 5 yrs), medical emergency (anytime), unemployment (75% after 1 month, 100% after 2 months). Full withdrawal only at retirement (58) or 2 months unemployment.
EPF vs PPF vs NPS - which is best? +
EPF: 8.25% (auto-deducted, employer matches) - BEST for salaried. PPF: 7.1% (voluntary, 15-yr lock) - good for non-salaried. NPS: 9-12% (market-linked, partial taxable) - good for higher returns. Salaried employees get EPF mandatorily; add PPF for tax saving and NPS for higher equity exposure.
What is EPS (Employee Pension Scheme)? +
8.33% of employer's 12% goes to EPS, capped at ₹1,250/month (8.33% of ₹15,000). At retirement, you get monthly pension based on average salary and years of service. Pension formula: (Pensionable Salary × Service Years) / 70.
How to check EPF balance? +
3 ways: (1) EPFO portal: epfindia.gov.in - login with UAN, (2) UMANG app on phone, (3) SMS "EPFOHO UAN" to 7738299899, (4) Missed call to 011-22901406. Activate UAN first if not done.
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Important Financial Disclaimer

This calculator is for informational and educational purposes only. The results are estimates based on the inputs provided and should NOT be considered as financial, investment, tax, or legal advice.

  • 💼 Consult a qualified financial advisor, Chartered Accountant, or tax consultant before making any investment, tax, or financial decision based on these calculations.
  • 📊 Interest rates and tax rules change frequently — always verify current rates from official sources (RBI, EPFO, Income Tax Department, SEBI, banks) before investing.
  • 📈 Past performance does not guarantee future returns. Mutual funds, equity, and market-linked investments are subject to market risks.
  • 🏦 Bank/Government rates shown are indicative and may differ from your actual quoted rate. Confirm with your bank or financial institution before transaction.
  • 📋 Calculations may not include all charges like processing fees, GST, TDS, prepayment charges, late payment penalties, or other applicable costs.
  • ⚖️ Tax calculations are simplified estimates. Actual tax liability depends on your complete income profile, deductions, exemptions, and current laws.

By using this calculator, you acknowledge and agree that KaamKaTool.in, its owners, and developers are not liable for any financial loss, damage, or adverse outcomes resulting from decisions based on this information. Use at your own risk and discretion.