Savings & deposits
EPF Calculator
ఈపీఎఫ్ కాలిక్యులేటర్
Your PF balance at retirement from basic + DA, with the employer share, interest and EPS pension.
Your result ఫలితం
EPF at retirement రిటైర్మెంట్ నాటికి ఈపీఎఫ్
1.15 crore rupees at 58
- Balance todayప్రస్తుత బ్యాలెన్స్
- ₹2,00,000
- Your contributionsమీ వాటా
- ₹21,02,520
- Employer's contributionsయజమాని వాటా
- ₹14,02,632
- Interestవడ్డీ
- ₹77,68,273
- EPS pension (estimate)ఈపీఎస్ పెన్షన్ అంచనా
- ₹11,786 a month from 58
Each month now, ₹3,917 goes into your EPF: ₹3,000 from you and ₹917 from your employer. The other ₹2,083 of your employer's share goes to the pension scheme (EPS). EPF interest is tax-free on most salaries.
Year by year ఏడాదివారీగా
- Paid in
- Interest
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Age | You | Employer | Interest | Balance |
|---|---|---|---|---|---|
| 1 | 31 | ₹36,000 | ₹11,004 | ₹18,600 | ₹2,65,604 |
| 2 | 32 | ₹37,800 | ₹12,804 | ₹24,174 | ₹3,40,382 |
| 3 | 33 | ₹39,696 | ₹14,700 | ₹30,512 | ₹4,25,291 |
| 4 | 34 | ₹41,676 | ₹16,680 | ₹37,694 | ₹5,21,341 |
| 5 | 35 | ₹43,764 | ₹18,768 | ₹45,805 | ₹6,29,678 |
| 6 | 36 | ₹45,948 | ₹20,952 | ₹54,938 | ₹7,51,516 |
| 7 | 37 | ₹48,240 | ₹23,244 | ₹65,195 | ₹8,88,194 |
| 8 | 38 | ₹50,652 | ₹25,656 | ₹76,686 | ₹10,41,188 |
| 9 | 39 | ₹53,184 | ₹28,188 | ₹89,534 | ₹12,12,095 |
| 10 | 40 | ₹55,848 | ₹30,852 | ₹1,03,872 | ₹14,02,667 |
| 11 | 41 | ₹58,644 | ₹33,648 | ₹1,19,844 | ₹16,14,803 |
| 12 | 42 | ₹61,572 | ₹36,576 | ₹1,37,607 | ₹18,50,559 |
| 13 | 43 | ₹64,656 | ₹39,660 | ₹1,57,333 | ₹21,12,207 |
| 14 | 44 | ₹67,884 | ₹42,888 | ₹1,79,207 | ₹24,02,187 |
| 15 | 45 | ₹71,280 | ₹46,284 | ₹2,03,434 | ₹27,23,185 |
| 16 | 46 | ₹74,844 | ₹49,848 | ₹2,30,235 | ₹30,78,111 |
| 17 | 47 | ₹78,588 | ₹53,592 | ₹2,59,851 | ₹34,70,142 |
| 18 | 48 | ₹82,512 | ₹57,516 | ₹2,92,544 | ₹39,02,715 |
| 19 | 49 | ₹86,640 | ₹61,644 | ₹3,28,600 | ₹43,79,599 |
| 20 | 50 | ₹90,972 | ₹65,976 | ₹3,68,331 | ₹49,04,878 |
| 21 | 51 | ₹95,520 | ₹70,524 | ₹4,12,072 | ₹54,82,994 |
| 22 | 52 | ₹1,00,296 | ₹75,300 | ₹4,60,194 | ₹61,18,784 |
| 23 | 53 | ₹1,05,312 | ₹80,316 | ₹5,13,095 | ₹68,17,507 |
| 24 | 54 | ₹1,10,580 | ₹85,584 | ₹5,71,210 | ₹75,84,881 |
| 25 | 55 | ₹1,16,100 | ₹91,104 | ₹6,35,012 | ₹84,27,098 |
| 26 | 56 | ₹1,21,908 | ₹96,912 | ₹7,05,014 | ₹93,50,932 |
| 27 | 57 | ₹1,28,004 | ₹1,03,008 | ₹7,81,775 | ₹1,03,63,719 |
| 28 | 58 | ₹1,34,400 | ₹1,09,404 | ₹8,65,902 | ₹1,14,73,425 |
| Pensionable salary (average of the last 5 years, capped) | ₹25,000; ₹15,000 for your 5 years before 17 Sep 2026 |
|---|---|
| Pensionable service | 33 years + 2 bonus years (20 years or more) |
| Pension = salary × service ÷ 70 | ₹11,786 a month from 58 |
| Your employer's EPS contributions to 58 | ₹6,99,888, pooled for pensions (not in your EPF balance) |
How EPF grows
Every month you pay 12% of your basic pay + DA into EPF, and your employer pays another 12%. Of the employer's share, 8.33% of pay up to the wage ceiling goes to the Employees' Pension Scheme (EPS) and the rest to your EPF account:
To EPS = 8.33% × (basic + DA, at most ₹25,000)
Employer to EPF = 12% × basic + DA − to EPS
Interest is worked out every month on the running balance at the yearly rate ÷ 12, but credited only at the end of the year, so it compounds once a year.
Example: on a basic + DA of ₹25,000 you pay ₹3,000 a month and so does your employer: ₹2,083 to EPS and ₹917 to EPF. At 30, with ₹2,00,000 in EPF, 5% raises and 8.25% interest, the balance at 58 is ₹1,14,73,425: ₹21,02,520 from you, ₹14,02,632 from your employer and ₹77,68,273 interest on top of today's balance.
One year by hand: on ₹15,000, ₹2,350 a month reaches EPF. The month-end balances ₹2,350, ₹4,700 … ₹28,200 add up to ₹1,83,300, so the year's interest is ₹1,83,300 × 8.25% ÷ 12 = ₹1,260.
The pension from EPS
Pension a month = pensionable salary × pensionable service ÷ 70
The pensionable salary is your average basic + DA over the last 60 months, up to the wage ceiling. The pension is paid from 58 if you have at least 10 years of service, and is never less than ₹1,000 a month; 20 years or more add 2 bonus years. With ₹25,000 and 35 years, it is ₹25,000 × 37 ÷ 70 = ₹13,214 a month. The calculator counts service before 17 September 2026 on the old ₹15,000 ceiling, as was done when the ceiling last went up in 2014: treat it as an estimate.
Good to know
- The wage ceiling went up from ₹15,000 to ₹25,000 on 17 September 2026, so up to ₹2,083 a month of the employer's share now goes to EPS (it was ₹1,250) and a little less to EPF.
- Joined EPF after 1 September 2014 on pay above ₹15,000? You are usually not in EPS, and all of the employer's 12% goes to EPF: choose "No" for the pension scheme.
- Many employers pay PF only on the wage ceiling. If your payslip shows ₹3,000 a month (12% of ₹25,000) while your basic is higher, enter ₹25,000 as your basic.
- The rate is declared every year (8.25% for 2025-26). Interest is tax-free, except on your own contributions above ₹2.5 lakh a year (₹5 lakh where the employer pays nothing).
- From 58 the EPS share stops: if you work to 60, the whole 12% from the employer goes to EPF.
Questions
Is the EPS money part of my EPF balance?
No. It goes into a common pension fund and comes back as the monthly pension, so it does not show in the EPF balance and earns no interest for you.
What if I leave before 10 years of service?
You get no pension, but you can withdraw the EPS amount (worked out from a table, by years of service), or take a scheme certificate so the service counts at your next job.
Can I take the pension before 58?
Yes, from 50, but it is reduced by 4% for each year before 58, for life.
Is EPF tax-free when I withdraw it?
After five years of continuous service (jobs count together if you transferred your account), yes. Earlier withdrawals are taxed, and tax is deducted on ₹50,000 or more.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
