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Retirement Planning
Retirement Planning
EPF Calculator
Estimate your EPF maturity corpus, year-wise growth, employee vs employer split and total interest — all in one place.
Maturity Corpus
₹1.73 Cr
at age 58
Your Contribution
₹29.35 L
12% of salary × 30yr
Employer Contribution
₹24.86 L
3.67% EPF portion
Interest Earned
₹1.19 Cr
68.6% of corpus
Your Details
Basic + DA
5000500000
%
0%25%
yr
18 yr57 yr
yr
40 yr70 yr
Optional — 0 if starting fresh
05000000
%
EPFO rate FY 2024-25: 8.25% p.a. — editable above
30years to retirement · 360 total months
Corpus Breakdown
17%
14%
69%
Your Contribution
₹29.35 L
Employer (EPF)
₹24.86 L
Interest Earned
₹1.19 Cr
Summary
| 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-wise EPF Growth
30 years| 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 | ||
Note on Employer Split: Employer's 12% is split — 8.33% goes to EPS (Employee Pension Scheme, capped at ₹15,000 basic salary) and 3.67% to EPF. EPS portion is not included in the EPF balance above. Only the EPF portion of employer contribution is shown.
This calculator is for informational purposes only. Actual EPF corpus may vary based on salary revisions, interest rate changes declared by EPFO, and withdrawals. Consult your HR or a financial advisor for precise figures.
EPF Key Facts
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Employee Contribution
12% of basic salary + DA goes to EPF every month. This is deducted from your salary and deposited directly.
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Employer Contribution
Employer also contributes 12% — 8.33% goes to EPS (capped at ₹15,000 salary) and 3.67% to EPF.
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Interest Rate FY 2024-25
EPFO declared 8.25% p.a. for FY 2024-25. Interest is calculated monthly but credited at year-end.