Enter your basic + DA, expected annual increment, and years to retirement to see how your EPF balance compounds — split by employee contribution, employer contribution, and interest.
On a ₹25,000 basic salary — this page’s own default — the first month splits three ways:
So a ₹25,000 basic salary sends ₹4,750 a month into the two combined accounts (EPF + EPS), of which this calculator tracks the ₹4,750 that is EPF-relevant — ₹3,000 from you, ₹1,750 from your employer. The ₹1,250 EPS portion accrues a defined pension benefit under separate rules entirely, which is why it does not appear in this balance.
The ₹15,000 ceiling on the EPS calculation is fixed regardless of actual basic pay, so as basic pay grows — through the 8% annual increment modelled here — the EPS share stays frozen at ₹1,250 while the employer’s EPF share (12% of basic, minus that same fixed ₹1,250) keeps growing. After 20 years of 8% annual increments, the default basic here grows from ₹25,000 to roughly ₹1,07,893 — and by then, all but a small fixed slice of the employer’s 12% is landing in EPF rather than EPS.
Compounding monthly at 8.25%, with contributions rising alongside that 8% annual basic increment: total employee contributions come to ₹16,47,431, total employer EPF contributions to ₹13,47,551, and interest alone adds ₹30,34,473 — slightly more than half of the final ₹60,29,455 corpus. Nobody contributed that interest; monthly compounding on a balance that has been growing for two decades did.
The EPF rate is set annually by India's Employees' Provident Fund Organisation based on the fund's actual investment returns, not posted by a bank the way a savings account rate is — and once set for a financial year, it applies to the whole year even though this calculator (matching how EPF interest actually accrues) compounds it monthly on the running balance. Because the rate can and does move from one year to the next, a 20-year projection at today's 8.25% should be read as a scenario built on today's rate holding steady, not a guarantee — rerun the projection at a percentage point either side of the current rate to see how much the ending corpus actually depends on that one assumption.
The employee contributes 12% of Basic + DA, all of which goes into the EPF account. The employer also contributes 12% of Basic + DA, but that's split: 8.33% of wages — capped at a ₹15,000 wage ceiling, so at most ₹1,250/month — goes to the Employees' Pension Scheme (EPS), and whatever remains of the employer's 12% goes into EPF. For anyone earning above the ₹15,000 wage ceiling, more of the employer's share ends up flowing into EPF rather than EPS, since the EPS portion is capped but the total 12% isn't.
EPFO declared 8.25% per annum for FY 2025-26, unchanged from FY 2024-25. This rate is reviewed and declared by EPFO annually, so it can and does change in future years — adjust the rate field above to model a different assumption for future decades.
No — this calculator projects only the EPF corpus, the lump-sum provident fund balance. The EPS portion doesn't compound as a running balance the way EPF does; instead it entitles you to a monthly pension at retirement based on a separate formula tied to your pensionable salary and years of service, which is a fundamentally different calculation from a compounding balance and outside the scope of this tool.
EPF withdrawal is tax-free if you've completed 5 years of continuous service, including service transferred between employers via the same EPF account. Withdrawing before 5 years makes the employer's contribution and accumulated interest taxable, and can trigger TDS if the withdrawal exceeds ₹50,000.
Worked example: starting Basic + DA of ₹25,000/month, growing 8% annually, over 20 years at 8.25% interest with no opening balance: employee contributes about ₹16.5 lakh in total, the employer's EPF share adds about ₹13.5 lakh, and interest compounds the rest — landing at a projected corpus of roughly ₹60.3 lakh.
How EPF compares with the alternatives is covered in EPF vs PPF vs NPS, and CTC vs in-hand salary explains why the employer half never reaches your account. Building the rest of your retirement corpus? See the PPF Calculator and Gratuity Calculator, or check how much of your HRA is tax-free. India-specific money rules are worked through end to end in our book, Paisa Playbook.