🔐 Retirement Planning

EPF / PF Calculator — Provident Fund Corpus

EPF कैलकुलेटर — रिटायरमेंट फंड कितना बनेगा?

Calculate your EPF corpus at retirement with year-by-year breakdown. FY 2025-26 rate.

💼 Your Details

How EPF works: Employee contributes 12% of Basic+DA. Employer contributes 12% — of which 8.33% goes to EPS (pension) and 3.67% goes to EPF. Current EPF interest rate: 8.25% p.a. (FY 2024-25)

📅 Year-by-Year EPF Growth

YearBasicEmp ContribEmpr ContribEPF Balance
EPF Corpus at Retirement
₹0
at age 60
₹0
Your Total
₹0
Employer Total
₹0
Interest Earned
0 yrs
Working Years
Monthly contribution breakdown:

EPF Rules You Should Know

Eligibility: Any establishment with 20+ employees must enroll in EPF. Employee earning basic salary up to ₹15,000/month must mandatorily contribute. Above ₹15,000, it is optional but highly recommended.

Withdrawal rules: Full EPF withdrawal is allowed only after 2 months of unemployment or at age 58. Partial withdrawal is allowed for medical emergency, home loan, marriage, education after specific service periods.

Tax benefits: Employee EPF contributions up to ₹1.5L qualify for Section 80C deduction. Interest earned is tax-free. Maturity amount is tax-free if you have 5+ years of continuous service.

Current interest rate: EPFO declared 8.25% for FY 2024-25, credited annually. This is one of the best guaranteed returns available in India for a tax-free instrument.

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💎PPF Calculator15-year PPF planner💵Salary SlipPayslip with CTC/PF/TDS📊Income Tax CalculatorOld vs new regime📈SIP CalculatorMutual fund SIP returns

Kaise use karein

  1. Current basic salary aur age enter karein.
  2. Current EPF balance aur retirement age set karein.
  3. Expected corpus automatically calculate hoga.

Privacy & security

EPF 8.25% guaranteed return deta hai — compounding ka effect long term mein bahut powerful hota hai. Retirement planning ke liye exact corpus estimate zaroori hai.

Common use cases

Salaried employees — retirement pe kitna EPF milega, job change ke baad transfer karein ya nahi, VPF add karein ya nahi — informed decisions karein.