EPF Calculator India — Employee Provident Fund Corpus 2026

Last updated: 29 April 2026 Reviewed by Deepa Krishnan, CFP

The **Employee Provident Fund (EPF)** is a mandatory retirement savings scheme for salaried employees in India, managed by EPFO. Employee contributes 12% of basic salary + DA, employer matches with 12% (3.67% to EPF, 8.33% to EPS). Current EPF interest rate is 8.25% p.a., making it one of the best risk-free returns available.

Monthly Basic + DA (₹) EPF is calculated on Basic + DA

Years to Retirement

EPF Interest Rate (%) Current EPF rate: 8.25% p.a.

Annual EPF Contribution (Employee + Employer) —

Total Contributed Over Career —

EPF Corpus at Retirement —

Total Interest Earned —

View Year-by-Year Breakdown

Real-World Examples — 2026

₹30,000 basic salary — 25 years EPF accumulation

₹30,000 basic at 8.25% for 25 years: Employee contribution 12% = ₹3,600/month. Employer EPF 3.67% = ₹1,101/month. Total EPF contribution = ₹4,701/month. EPF corpus ≈ ₹48.9 lakh at 8.25%. Total invested ≈ ₹14.1 lakh.

High earner — VPF impact

Adding VPF (Voluntary PF) of ₹10,000/month on top of mandatory EPF significantly grows the tax-free corpus. ₹10,000/month VPF for 25 years at 8.25% = additional ₹24.5 lakh. Total EPF+VPF corpus: ₹73+ lakh — all tax-free if held for 5+ years.

Frequently Asked Questions

What is the EPF interest rate for FY 2025-26?

The EPFO board has recommended 8.25% p.a. for FY 2025-26, same as FY 2024-25. EPF interest is calculated monthly but credited annually. Interest on employee share up to ₹2.5 lakh contribution/year is tax-free; above ₹2.5 lakh it's taxable.

How much does the employer contribute to EPF?

The employer contributes 12% of basic+DA. Of this: 3.67% goes to EPF (employee account) and 8.33% goes to EPS (Employee Pension Scheme). For basic salaries above ₹15,000, the EPS contribution is capped at 8.33% of ₹15,000 = ₹1,250/month.

When can I withdraw EPF?

Full EPF withdrawal: 2 months after leaving employment (non-retirement). Partial withdrawal: allowed for house purchase (up to 90% after 5 years), marriage/education (50% after 7 years), medical (limited). Tax-free if employed for 5+ continuous years. Premature withdrawal before 5 years attracts TDS.

Is the EPF Calculator free?

Yes, completely free on CalcPhi with no registration.

Are my inputs stored?

No. All calculations run in your browser. Your data is never stored.

Is it mobile-friendly?

Yes. Works on all modern smartphones and tablets.