Estimate your Employees’ Provident Fund (EPF) balance at retirement. Enter your monthly basic salary + DA, your age and expected yearly salary increase.
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How EPF contributions work
- You contribute 12% of basic + DA every month.
- Your employer also contributes 12%: up to ₹1,250 a month (8.33% of a ₹15,000 wage ceiling) goes to the pension scheme (EPS) and the rest to your EPF.
- The EPF interest rate for FY 2025-26 is 8.25%, credited once a year.
Example: with a basic salary of ₹40,000 at 30, a 5% yearly increase and 8.25% interest, your EPF could reach about ₹1.8 crore by 58.
Frequently asked questions
Is EPF interest taxable?
Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if your employer does not contribute) is taxable. For most employees, EPF stays tax-free.
What about the pension part?
The EPS share builds a monthly pension instead of a lump sum, so it is not included in this balance. Plan the rest with the retirement calculator.