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EPF Calculator

Calculate EPF corpus at retirement with employee & employer contribution. See year-wise PF balance with salary growth projection.

Your Contribution
₹57,64,592
Employer (EPF)
₹17,63,004
Total Interest
₹2,02,25,598
Total Corpus
₹2,77,53,194
Employee: ₹57,64,592
Employer: ₹17,63,004
Interest: ₹2,02,25,598

Frequently Asked Questions

What is EPF?

Employee Provident Fund is a retirement savings scheme where both employee and employer contribute 12% of basic salary + DA. It is managed by EPFO and offers guaranteed returns.

What is the EPF interest rate?

The EPF interest rate for 2023-24 is 8.25% p.a. It is declared annually by the EPFO and has ranged from 8.1% to 8.65% in recent years.

How is EPF contribution split?

Employee contributes 12% of basic to EPF. Employer's 12% is split: 3.67% to EPF and 8.33% to EPS (Employee Pension Scheme, capped at ₹15,000 basic).

Is EPF withdrawal taxable?

EPF withdrawal is tax-free if you have completed 5 years of continuous service. Before 5 years, the employer's contribution and interest earned are taxable.

Can I withdraw EPF while employed?

Partial withdrawals are allowed for specific purposes: medical treatment, home purchase, marriage, education, or if unemployed for 2+ months. Rules vary by purpose and tenure.