EPF Calculator
Calculate EPF corpus with employee and employer contributions.
About EPF Calculator
Simple on the surface and careful underneath, the EPF Calculator was made for salaried employees and HR payroll staff who just want the number. Wherever rules differ by slab, state or regime, the tool shows the full breakup instead of hiding it inside one opaque number. Enter basic salary and the tool applies the 12 per cent employee contribution, the 12 per cent employer contribution (of which 8.33 per cent goes to pension up to a Rs 15,000 salary ceiling) and the prevailing EPF interest rate to project the accumulated corpus. Because the balance grows tax-free during employment and the interest is credited yearly, the calculator shows the running balance and the final payable amount, including the EPS pension component. Transfer between jobs keeps the same UAN, so the projection assumes a continuous account, and the output also estimates how long contributions must run before the pension becomes payable. You will find it handy when estimating the EPF balance at retirement, while checking the EPS pension component, or before deciding whether to withdraw or transfer on a job change. Everything is free with no usage caps, and nothing asks for your email address.
How to Use the EPF Calculator
- Open the EPF Calculator tool above — it loads instantly in your browser.
- Enter your values in the input fields provided.
- The result updates immediately — no calculate button needed (or click Calculate where shown).
- Copy or use your result directly. Nothing is stored or sent to any server.
Key Features of EPF Calculator
- Employee/Employer PF
- Interest calculation
- Retirement corpus
- EPF corpus projection
- EPS pension split
- Employer and employee 12 per cent
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Frequently Asked Questions
What is the current EPF interest rate?
The current EPF interest rate for 2024-25 is 8.15% per annum. The rate is declared annually by the EPFO based on its earnings on investments.
How is EPF contribution calculated?
Employee contributes 12% of basic salary + DA to EPF. Employer contributes 12% split as: 3.67% to EPF and 8.33% to EPS (pension scheme) up to Rs. 15,000 salary.
When can I withdraw EPF?
EPF can be withdrawn on retirement (age 55+), after 2 months of unemployment, for housing, marriage, education, medical emergencies, or purchasing insurance.
Is EPF interest taxable?
Interest earned up to the date of withdrawal is tax-free if you have contributed for five continuous years; earlier withdrawal attracts tax on the interest.
What is the EPS pension?
The employer share above 3.67 per cent, that is the 8.33 per cent up to the Rs 15,000 ceiling, funds the EPS pension that you receive from age 58.