EPF Calculator - Employee Provident Fund
Project how your monthly EPF deductions plus employer contributions could grow by retirement-and see whether EPF alone is enough (it usually isn't).
- Contributions+opening
- Est. interest
Projected balance
₹11,27,552
Months
120
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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EPF calculator - how to use this tool
Project EPF balance with employee, employer, and illustrative interest.
The EPF calculator projects your Employees' Provident Fund corpus from monthly 12% employee plus employer contributions and an illustrative interest rate. Check the latest EPFO-notified rate, and pair EPF with NPS or mutual fund SIPs for a fuller retirement plan.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
How much is deducted from salary for EPF?
Typically 12% of basic salary plus dearness allowance from the employee, with a matching employer contribution (part of which goes to the EPS pension scheme). Wage ceilings and voluntary higher contributions may apply.
What is the current EPF interest rate?
The rate is declared by the government each financial year-check the latest notified rate on the EPFO portal. Interest is computed monthly and credited annually.
When can I withdraw from EPF?
Full withdrawal is generally allowed on retirement or after specified periods of unemployment; partial advances are permitted for defined needs like housing, education or illness under EPFO rules.
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