EPF Calculator

See what your EPF could realistically grow to by retirement, accounting for salary growth over your career.

EPF calculator

Current age28

Current monthly basic + DA₹40,000

Expected annual salary growth8%

EPF interest rate / year8.25%

Projected corpus at 58

₹0

combined employee + employer contributions, compounded.

Years to retirement0
Combined contribution rate24% of basic
Total contributed₹0

Simplified: assumes all 24% (12% employee + 12% employer) compounds at the EPF rate. In reality, part of the employer's share routes to the EPS pension scheme — actual EPF corpus may be somewhat lower.

How this works

This projects your combined employee and employer EPF contributions (24% of basic) compounding monthly until age 58, factoring in expected annual salary growth — with a clear note on where the simplification lies relative to the real EPS-linked structure.

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