Free Finance Tool
EPF Calculator
Calculate your Employee Provident Fund balance with employer contribution and compound interest.
Total EPF Balance
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Your Contribution
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Employer EPF
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Interest Earned
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EPS (Pension)
EPF Calculator: Your Employee Provident Fund Balance
Our EPF calculator computes your total Employee Provident Fund balance based on your salary and years of service. EPF is a retirement benefit where both you and your employer contribute 12% of your basic salary + DA every month.
The provident fund calculator shows the year-wise growth of your EPF balance including compound interest at 8.15% per annum. This helps you plan your retirement savings and understand how your PF balance grows over time.
EPF Balance = (Employee Contribution + Employer Contribution) compounded annually at 8.15% p.a.
EPF Calculation Example
Example: Basic salary + DA = ₹50,000/month
- Employee contribution: 12% of ₹50,000 = ₹6,000/month
- Employer contribution: 12% of ₹50,000 = ₹6,000/month (₹3,670 to EPF + ₹2,330 to EPS)
- Total monthly EPF deposit: ₹9,670 (EPF portion)
- After 10 years at 8.15%: EPF balance ≈ ₹17,78,000
- After 20 years at 8.15%: EPF balance ≈ ₹56,83,000
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Frequently Asked Questions
What is EPF?
Employee Provident Fund (EPF) is a retirement savings scheme managed by EPFO. Both employee and employer contribute 12% of basic salary + DA. The amount earns compound interest and is payable at retirement or 58 years of age.
How is EPF calculated?
Employee contributes 12% of (Basic + DA). Employer also contributes 12% — but 3.67% goes to EPF and 8.33% goes to EPS (pension). EPF earns 8.15% compound interest annually.
What is the current EPF interest rate?
EPF interest rate for 2025-26 is 8.15% per annum, compounded annually. This is decided by the EPFO trustees and is generally announced annually.
Can I withdraw EPF before leaving job?
Partial withdrawal is allowed for specific purposes: house construction, medical emergency, marriage, education, and home loan repayment. Full withdrawal is allowed after 2 months of unemployment.
Is EPF mandatory?
EPF is mandatory for establishments with 20+ employees. Employees earning ₹15,000/month or less must contribute. Those earning more can voluntarily continue.
EPF vs PPF which is better?
EPF has higher returns (8.15% vs 7.1%) and employer contribution. PPF has 15-year lock-in but more flexibility. EPF is better for salaried employees, PPF for self-employed.