Every Salaried Indian's Retirement Fund
EPF Calculator 2026
Calculate your Employee Provident Fund balance at retirement. Updated with 8.25% EPF interest rate for 2025-26. See your exact corpus with employer + employee contributions.
✓ Updated 8.25% interest rate
✓ Employer + employee breakdown
✓ Year-by-year growth chart
✓ Free, no login
🏦 Total EPF Corpus at Retirement
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at age — after — years
Monthly Contribution Now
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Employee contribution (12% of basic)—
Employer EPF contribution (3.67%)—
Employer EPS contribution (8.33%)—
Total monthly going to EPF—
Current EPF balance—
Years to retirement—
Projected corpus at retirement—
EPF Corpus Growth Over Years
💡 EPF Key Facts 2026: Employee contributes 12% of basic. Employer contributes 12% total — 3.67% goes to EPF and 8.33% goes to EPS (pension). EPF interest rate is 8.25% for FY 2025-26. Withdrawal is tax-free after 5 continuous years of service.
EPF FAQs
Common questions about EPF in India
What is the EPF interest rate in 2026? +
The EPFO has declared an interest rate of 8.25% for FY 2025-26, the same as the previous year. This is one of the highest risk-free returns available in India. The interest is calculated monthly on the running balance and credited to your EPF account at the end of the financial year. The rate is reviewed annually by the EPFO Central Board of Trustees.
How is EPF contribution calculated? +
EPF contribution is 12% of your Basic Salary + Dearness Allowance (DA). Employee contributes 12% of basic. Employer also contributes 12% — but it's split: 3.67% goes to EPF account and 8.33% goes to EPS (Employee Pension Scheme). So if your basic salary is ₹30,000: Employee contribution = ₹3,600/month. Employer EPF = ₹1,101. Employer EPS = ₹2,499. Total monthly EPF = ₹4,701.
When can I withdraw EPF? +
Full withdrawal: Only at retirement (age 58) or after being unemployed for 2+ months. Partial withdrawal: Allowed for specific reasons — home purchase (after 5 years), medical emergency (no minimum tenure), marriage (after 7 years), education (after 7 years), and home construction. Tax-free withdrawal: After 5 continuous years of service. If you withdraw before 5 years, TDS of 10% is deducted and the amount is added to your taxable income.
How to check EPF balance online? +
You can check your EPF balance in multiple ways: (1) EPFO Portal (epfindia.gov.in) — log in with UAN and password. (2) UMANG app — available on iOS and Android. (3) SMS — send "EPFOHO UAN" to 7738299899 from your registered mobile. (4) Missed call — give a missed call to 011-22901406 from your registered number. (5) EPFO member passbook portal — passbook.epfindia.gov.in
Is EPF better than NPS or PPF? +
EPF, NPS and PPF serve different purposes and all three are valuable. EPF: Mandatory for salaried employees, 8.25% guaranteed rate, employer also contributes — best ROI for salaried class. PPF: 7.1% rate, flexible for self-employed, 15-year lock-in, fully tax-free. NPS: Market-linked returns (10-12% potential), additional ₹50K tax deduction under 80CCD(1B), but 40% must be used to buy annuity. Ideal strategy: Maximize EPF (it's automatic) + contribute ₹50K to NPS for extra tax deduction + use PPF for additional tax-free savings.