EPF Calculator

Monthly Basic Salary

₹

₹5,000₹5,00,000

Employee Contribution

12%20%

EPF Interest Rate

% p.a.

5% p.a.15% p.a.

Years Until Retirement

1 Yr35 Yr

EPF maturity after 20 yrs

₹47.34 L

Employee contribution₹14.40 L

Employer contribution (3.67%)₹4.40 L

Total interest earned₹28.53 L

Total EPF balance₹47.34 L

EPF Balance Growth

Employer Contribution

Your employer contributes 12% of basic salary — 3.67% to EPF and 8.33% to EPS (pension).

Tax Benefits

Employee contribution up to ₹1.5L is deductible under 80C. Interest and maturity are tax-free.

Guaranteed Returns

EPFO declares a fixed interest rate every year, currently 8.15% — higher than most fixed deposits.