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Free PF Calculator

See how much your Employees' Provident Fund (EPF) could grow to by the time you retire. Enter your age, basic salary and current balance to see your contributions, your employer's, the interest and the balance year by year, at the EPFO rate of 8.25% for FY 2025-26.

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You

years
years

58 is when the EPS pension starts.

Your salary

As on your payslip today.

a month

PF is worked out on basic pay plus dearness allowance (DA).

% a year

Applied once a year.

PF contributions

PF is worked out on

Check your payslip: if your PF is ₹1,800 a month, it's on the wage ceiling.

% of basic

Extra you choose to put in on top of the 12%. Your employer doesn't match it.

Your EPF account

From your EPF passbook. Leave blank if you're just starting.

% a year

8.25% for FY 2025-26. Declared every year.

Results

EPF balance at retirement

₹0

Enter your age to see your balance at retirement.

Good to know

  • Interest is worked out monthly on the running balance at the rate you enter and credited once a year, as the EPFO does. The rate is declared every year: 8.25% for FY 2025-26.
  • Your salary is assumed to rise once a year by the percentage you enter, with contributions every month until retirement and no withdrawals.
  • The employer's pension (EPS) share is 8.33% of basic up to ₹15,000, so at most ₹1,250 a month. It stops at 58, after which all of the employer's 12% goes to EPF.
  • An estimate, not financial advice. Check your passbook on the EPFO member portal, or ask your employer, for exact figures.

See your take-home pay after PF.

Work out your in-hand salary

How it works

  1. 1

    Enter your age and salary

    Your age, when you plan to retire, your monthly basic + DA and how fast you expect it to grow.

  2. 2

    Set up your PF

    PF on your full basic or the ₹15,000 ceiling, any voluntary PF, and your balance today.

  3. 3

    See your balance at retirement

    What you'll have, where it came from, and how the balance builds up each year.

Features

How EPF works

The Employees' Provident Fund is a retirement savings account run by the Employees' Provident Fund Organisation (EPFO). Every month, 12% of your basic pay plus dearness allowance (DA) is deducted from your salary and paid in, and your employer adds a matching 12%. The money earns interest at a rate the EPFO declares each year, and you can withdraw it when you retire or in certain situations before that.

Many employers work out PF on the full basic + DA. Others use the ₹15,000 wage ceiling, which limits both contributions to ₹1,800 a month. If your basic is more than ₹15,000, your payslip will show which one applies.

Where your employer's 12% goes

Your own 12% all goes into your EPF account. Your employer's 12% is split in two:

  • 8.33% of your basic + DA, on at most ₹15,000, goes to the Employees' Pension Scheme (EPS). That's at most ₹1,250 a month. It doesn't build a balance you can withdraw: it pays a monthly pension from age 58 once you have 10 years of service.
  • The rest, 3.67% plus anything above the ₹1,250, goes into your EPF account. On a basic of ₹50,000, that's ₹6,000 − ₹1,250 = ₹4,750 a month.
  • EPS contributions stop at 58. If you work beyond that, all of your employer's 12% goes to EPF.

EPF and income tax

In the old tax regime, your own PF contributions count towards the ₹1.5 lakh yearly deduction for investments. There's no such deduction in the new regime.

Interest is tax-free on your own contributions of up to ₹2.5 lakh a year. If you put in more, for example through VPF, the interest on the excess is taxable each year. The limit is ₹5 lakh a year if your employer doesn't contribute. Your employer's contributions to EPF, NPS and superannuation together are tax-free up to ₹7.5 lakh a year.

Withdrawals are tax-free once you've completed five years of continuous service, counting earlier jobs whose PF you transferred. Withdraw before that and the amount can be taxed, with tax deducted at source on larger sums.

Withdrawals and your UAN

Your Universal Account Number (UAN) is a 12-digit number from the EPFO that stays the same for your whole career. Each new employer links your new PF account to it, so you can transfer your old balance, check your passbook and make claims online on the EPFO member portal or the UMANG app, once your UAN is linked to your Aadhaar, PAN and bank account.

You can withdraw your full balance when you retire, or after a period without a job, and make partial withdrawals for things such as education, marriage, illness or buying a home. These rules have changed recently, so check the current conditions on the member portal before you apply.

Frequently asked questions

What is the EPF interest rate for 2025-26?

8.25% a year, declared by the EPFO and approved by the government in June 2026. The rate is set every year, so the calculator lets you change it. It was also 8.25% for 2024-25 and 2023-24.

How is EPF interest calculated?

Every month, interest is worked out at a twelfth of the yearly rate on the balance at the start of the month, and the total for the year is credited to your account once the rate is declared. So each month's contribution starts earning from the following month, and interest compounds once a year.

Why is my employer's PF share less than mine in my passbook?

Because up to ₹1,250 a month of your employer's 12% goes to the pension scheme (EPS) instead. Your passbook shows the EPS amount separately. It gives you a monthly pension later rather than adding to your EPF balance.

What is voluntary PF (VPF)?

Extra you choose to contribute to EPF on top of the 12%, up to 100% of your basic + DA. It earns the same interest, but your employer doesn't match it. Ask your HR or payroll team to start it. Interest on your contributions above ₹2.5 lakh a year is taxable.

I joined after September 2014 with a high salary. Am I in EPS?

If you first joined EPF after 1 September 2014 with basic + DA above ₹15,000 a month, you aren't a member of EPS. Your employer's whole 12% then goes to EPF, so your balance will be higher than this calculator shows. Your passbook will show no pension contribution.

Is the result exact?

No, it's an estimate that assumes steady pay rises, contributions every month and the same interest rate every year, with no withdrawals. It isn't financial advice. For your actual balance, check your passbook on the EPFO member portal or ask your employer.

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