Project your Employees’ Provident Fund corpus at retirement.
Please do not make financial decisions based on these results.
What is the EPF Calculator?
Project your Employees’ Provident Fund corpus at retirement. To use the EPF Calculator, enter monthly basic salary, current age, retirement age, annual salary rise, epf interest rate; it returns epf corpus at retirement, years of contribution, and shows them instantly as you type.
Where the EPF Calculator fits
Project your Employees’ Provident Fund corpus at retirement. The main figure it returns is the EPF corpus at retirement, worked out from the values you enter.
It belongs with the other india & pakistan finance tools. If you are comparing options or checking a result from another angle, try the SIP Calculator — Systematic Investment Plan, PPF Calculator or the Lumpsum Calculator.
How to use the EPF Calculator
- Enter your numbers. The inputs are Monthly basic salary (₹), Current age, Retirement age, Annual salary rise (%), EPF interest rate (%). Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the EPF corpus at retirement, and the cards below show Years of contribution. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the EPF Calculator using the default values shown in the calculator above:
Inputs
| Monthly basic salary (₹) | 40,000 |
|---|---|
| Current age | 28 |
| Retirement age | 58 |
| Annual salary rise (%) | 6 |
| EPF interest rate (%) | 8.25 |
Results
| EPF corpus at retirement | ₹1,82,45,364 |
|---|---|
| Years of contribution | 30 |
With these inputs the calculator returns EPF corpus at retirement: ₹1,82,45,364. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Monthly basic salary (₹) from 40,000 to 48,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| EPF corpus at retirement | ₹1,82,45,364 | ₹2,18,94,436 | +20% |
| Years of contribution | 30 | 30 | 0% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the EPF Calculator reports EPF corpus at retirement and years of contribution. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
What is the EPF rate?
8.25% for FY 2025-26, the same as FY 2024-25. The EPFO sets the rate each year, so it is an input you can edit.
Which Pakistan tax slabs are used?
The FY 2026-27 slabs enacted by the Finance Act 2026 (no surcharge on salary income), with the FY 2025-26 slabs and their 9% surcharge selectable for comparison.
Are PPF, EPF and SSY rates fixed?
No. The government revises small-saving rates quarterly and EPF yearly, so the rate is an input you can edit.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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