EPF (PF) calculator
Estimate how much your provident fund could grow to by retirement.
EPF corpus calculator
Works offlineThe EPF interest rate is declared every year by the government; 8.25% is only an example, so enter the latest rate. Of the employer’s 12%, 8.33% of wages up to ₹15,000 goes to the pension scheme (EPS), not EPF.
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How the estimate works
Each month you put in 12% of basic pay and the employer adds 12%, of which the EPS portion goes to pension. The balance earns interest, compounded monthly in this estimate, and your basic pay grows by the yearly rise you enter.
Check the official figure
Your actual balance is shown on the EPFO member portal and the UMANG app. Interest crediting and rules can differ from this simple model.
Frequently asked questions
What is the current EPF interest rate?
It is declared yearly by the EPFO and approved by the government. Check the latest announcement and enter it in the calculator.
Is EPF withdrawal taxable?
Rules depend on the years of service and the amount. Check the Income Tax Department or a chartered accountant.
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Page reviewed 25 October 2026.