Every Salaried Indian's Retirement Fund

EPF Calculator: PF Balance & Retirement Corpus

Calculate your Employee Provident Fund balance at retirement. Use your contribution details and an editable assumed return to explore a simplified future balance.

✓ Editable interest assumption
✓ Employer + employee breakdown
✓ Year-by-year growth chart
✓ Free, no login
👤 Your Employment Details
Current Age
Years
18 yrs58 yrs
Retirement Age
Years
40 yrs65 yrs
Monthly EPF Wage BaseEnter your actual contribution wage base
₹
₹5K₹2L
Annual Contribution GrowthApplies to both contribution streams
% p.a.
0%25%
Current EPF BalanceCheck on EPFO portal / UAN
₹
Contribution and return assumptions
₹

Enter the EPF portion from payroll or passbook. ₹1,500 is an illustration. EPS is excluded.

EPF Interest RateChosen constant scenario
% p.a.
0%12%
Employee ContributionEnter your actual contribution percentage
% of wage base
🏦 Total EPF Corpus at Retirement
—
at age — after — years
Your Contribution
—
Employer's Share
—
Total Interest Earned
—
Monthly Contribution Now
—
Employee contribution (12% of wage base)—
Employer EPF credit entered—
EPS (separate pension, excluded)—
Total monthly going to EPF—
Current EPF balance—
Years to retirement—
Projected corpus at retirement—
EPF Corpus Growth Over Years
Use actual credited contributions. This projection accrues interest on monthly opening balances and credits the rounded annual interest once per full projection year. It assumes contributions arrive at month-end and begins at the start of a full financial year. Actual dates, rates, changes and withdrawals can differ.

EPF projection questions

Model and content reviewed 2 October 2026. Results depend on your inputs.

It uses the wage base and employee percentage you enter, plus your entered monthly employer EPF amount. Copy the credited employer EPF portion from payroll or your passbook; EPS is separate and is not added to this corpus. Eligibility, wage ceilings and contribution bases depend on the applicable rules.
The model accrues interest on each monthly opening balance, adds contributions at month-end and credits rounded interest at the end of a full projection year. It increases both contribution streams at year boundaries. Actual financial-year dates, payroll credit timing, rates and withdrawals can differ.
With ₹3,600 employee EPF and ₹1,500 employer EPF monthly, no existing balance, zero contribution growth and zero return, one year adds ₹61,200. This is a mathematical illustration, not a prescribed statutory employer split.
Use your official EPFO passbook and current claim guidance. The future corpus does not establish withdrawal eligibility, pension entitlement or tax exemption. Transfers, service history and individual exceptions require separate checks.

EPFO: contribution rules

How is a PF balance projection calculated?

Enter your contribution wage base, employee percentage, opening EPF balance and the employer amount actually credited to EPF. The employer’s pension/EPS portion is a separate amount; it is not part of this EPF corpus.

A one-year example you can check

Assume ₹1 lakh already in EPF, ₹1,000 employee EPF and ₹1,000 employer EPF credited at the end of each month, no salary increase and a constant illustrative 8.25% rate.

ComponentIllustrated amount
Opening balance₹1,00,000
New contributions: ₹2,000 × 12₹24,000
Annual interest, rounded₹9,158
Closing balance₹1,33,158

Is EPF interest compounded every month?

This tool now accrues interest on the opening balance each month and adds the rounded interest once at the end of the projection year. The month-end contribution starts earning interest the following month. Interest already credited in a previous year earns interest in the next year.

The example starts at the beginning of a full financial year. Actual passbook values can differ because of joining dates, late credits, partial financial years, withdrawals, annual rates and rounding. The rate input is assumed, not a forecast of future declared rates.

Why is employer EPF lower than total employer PF?

Payroll can split employer contributions between EPF and EPS under the applicable rules. Copy the EPF amount from your own records rather than assuming the whole employer contribution belongs in this investment balance. This calculator does not calculate EPS pension or decide withdrawal eligibility.

Annual crediting reference: Ministry of Labour’s parliamentary answer on monthly running balances and annual credits.

These are original illustrations, not product quotations or return forecasts. Calculation examples checked 22 October 2026.

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