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Estimate your EPF balance at retirement from your basic pay, yearly pay rises and the EPF interest rate (8.25% for FY 2025-26), with your share and your employer’s.
Your EPF
At retirement
EPF interest and withdrawals after 5 years of service are tax-free, except interest on your own contributions above ₹2.5 lakh a year.
Year by year
The split
| Amount | |
|---|---|
| Balance today | ₹0 |
| Your 12% | ₹29,60,414 |
| Employer’s share to EPF | ₹22,60,694 |
| Interest | ₹85,99,868 |
| EPF at retirement | ₹1,38,20,977 |
The Employees’ Provident Fund (EPF) is a retirement fund that you and your employer pay into every month. It earns a rate set each year by EPFO; for FY 2025-26 it is 8.25%.
This calculator projects your EPF balance at retirement as your pay rises, and shows how much comes from you, from your employer and from interest.
Each month: 12% of basic + DA from you + employer’s 12% less the pension share
Sanjay is 30 with a basic + DA of ₹30,000 a month, rising 6% a year
8.25% a year for FY 2025-26, declared by EPFO and approved by the government. It has been the same for the last three years.
Mostly. Interest is taxable only on your own contributions above ₹2.5 lakh a year (₹5 lakh where the employer does not contribute). Withdrawals after 5 years of continuous service are tax-free.
The Employees’ Pension Scheme. Part of the employer’s contribution, 8.33% of pay up to ₹25,000, goes into it, and after 10 years of service it pays a monthly pension from 58.
Yes, partly, for needs such as a house, education, marriage or illness, under EPFO’s rules, and in full after retirement or a period without a job.
Pay up to ₹25,000 a month (earlier ₹15,000) now counts for PF and EPS where employers use the ceiling, so the largest EPS contribution rose from ₹1,250 to ₹2,083 a month.
Results are estimates. Returns are assumed constant, rates and tax rules can change, and your actual numbers will differ. This is not financial or tax advice.