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Estimate your EPF maturity corpus, year-wise growth, employee vs employer split and total interest — all in one place.
Basic + DA
Optional — 0 if starting fresh
EPFO rate FY 2024-25: 8.25% p.a. — editable above
| Basic Salary (current) | ₹30,000 / mo |
| Employee EPF / mo | ₹3,600 |
| Employer EPF / mo | ₹1,101 |
| Total Monthly Contribution | ₹4,701 |
| Total Contributions | ₹54.21 L |
| Total Interest | ₹1.19 Cr |
| Maturity Corpus | ₹1.73 Cr |
| Year | Age | Monthly Salary | Emp. Contrib | Er. Contrib | Interest | Closing Balance |
|---|---|---|---|---|---|---|
| 1 | 29 | ₹2,625 | ₹44,181 | ₹29,187 | ₹3,070 | ₹76,439 |
| 2 | 30 | ₹2,756 | ₹46,390 | ₹31,396 | ₹9,806 | ₹1.64 L |
| 3 | 31 | ₹2,894 | ₹48,710 | ₹33,716 | ₹17,506 | ₹2.64 L |
| 4 | 32 | ₹3,039 | ₹51,145 | ₹36,151 | ₹26,274 | ₹3.78 L |
| 5 | 33 | ₹3,191 | ₹53,703 | ₹38,709 | ₹36,220 | ₹5.06 L |
| TOTAL | ₹29.35 L | ₹24.86 L | ₹1.19 Cr | ₹1.73 Cr | ||
12% of basic salary + DA goes to EPF every month. This is deducted from your salary and deposited directly.
Employer also contributes 12% — 8.33% goes to EPS (capped at ₹15,000 salary) and 3.67% to EPF.
EPFO declared 8.25% p.a. for FY 2024-25. Interest is calculated monthly but credited at year-end.