EPF Calculator — Estimate Your PF Maturity Amount
Calculate your EPF corpus at retirement based on current basic salary contribution rate and expected increments. Understand EPF interest rate and withdrawal rules.
Employee Provident Fund is the backbone of retirement savings for salaried Indians. Both you and your employer contribute 12% of your basic salary to EPF each month. The current EPF interest rate is 8.25% for FY 2024-25 which is among the highest risk-free returns available. Over a 25-30 year career your EPF corpus can grow into crores making it one of the largest assets you accumulate. Understanding how your PF grows helps in holistic retirement planning.
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Key Information
| Parameter | Details |
|---|---|
| Current EPF Interest Rate | 8.25% per annum (FY 2024-25) |
| Employee Contribution | 12% of Basic + DA |
| Employer Contribution | 3.67% to EPF + 8.33% to EPS |
| Tax on Withdrawal (5+ years) | Fully exempt |
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Use Calculator NowFrequently Asked Questions
How much EPF will I have at retirement?
With a basic salary of Rs 30000 and 3% annual increment EPF contribution of 12% from both employee and employer over 30 years at 8.25% interest your total EPF corpus would be approximately Rs 1.5-1.8 crore. The exact amount depends on salary increments job changes and interest rate changes over your career.
Can I withdraw EPF before retirement?
You can withdraw EPF partially for specific purposes: 90% for home purchase after 5 years of service 50% for medical emergencies and 50% for marriage or education after 7 years. Complete withdrawal is allowed after 2 months of unemployment after resignation or retirement at 58. Withdrawal before 5 years of total EPF membership is taxable.
Why does my PF balance seem less than expected?
Your employer contribution of 12% is split: only 3.67% goes to EPF and 8.33% goes to EPS (Employee Pension Scheme) which provides pension and does not accumulate as a visible balance. So effectively 15.67% of basic goes to EPF (12% employee + 3.67% employer) and 8.33% goes to EPS. This is why the EPF balance seems lower than expected.
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Last updated: 24 March 2026