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Shravya Finlytics

EPF calculator

Project an EPF balance from your basic pay, with the employee and employer shares, a yearly increment and the current interest rate.

The provident fund deducted from your salary, projected forward.

5,000–10,00,000
₹

Basic plus dearness allowance, not your whole salary.

0–5,00,00,000
₹
0–20
%
5–12
%

Declared by the EPFO each year.

1–40
years

Everything here is worked out in your browser. Nothing you type is sent to us or saved.

Balance in 25 years

₹1,21,18,157

Contributions

₹44,87,302

12% from you, 3.67% from your employer

Interest earned

₹76,30,855

  • What you put in₹44,87,302(37%)
  • What it earned₹76,30,855(63%)
  • Contributions
  • EPF balance
₹0₹50.0 L₹1.0 Cr0481216202425
EPF on a basic of ₹50,000 rising 5% a year, at 8.25%. Hover, or focus the chart and use the left and right arrow keys, to read any year.
See the numbers
EPF on a basic of ₹50,000 rising 5% a year, at 8.25%.
YearContributionsEPF balanceInterest
0₹0₹0₹0
1₹94,020₹1,01,777₹7,757
2₹1,92,741₹2,17,039₹24,298
3₹2,96,398₹3,47,153₹50,755
4₹4,05,238₹4,93,612₹88,375
5₹5,19,520₹6,58,046₹1,38,526
6₹6,39,516₹8,42,230₹2,02,714
7₹7,65,512₹10,48,105₹2,82,593
8₹8,97,807₹12,77,783₹3,79,976
9₹10,36,718₹15,33,571₹4,96,853
10₹11,82,573₹18,17,979₹6,35,406
11₹13,35,722₹21,33,746₹7,98,024
12₹14,96,528₹24,83,853₹9,87,324
13₹16,65,375₹28,71,547₹12,06,172
14₹18,42,663₹33,00,364₹14,57,701
15₹20,28,817₹37,74,155₹17,45,339
16₹22,24,277₹42,97,109₹20,72,832
17₹24,29,511₹48,73,787₹24,44,275
18₹26,45,007₹55,09,148₹28,64,141
19₹28,71,277₹62,08,590₹33,37,313
20₹31,08,861₹69,77,984₹38,69,123
21₹33,58,324₹78,23,711₹44,65,387
22₹36,20,260₹87,52,713₹51,32,453
23₹38,95,293₹97,72,535₹58,77,242
24₹41,84,078₹1,08,91,379₹67,07,301
25₹44,87,302₹1,21,18,157₹76,30,855
  • Your employer also pays 8.33% of basic into the pension scheme (EPS). That is a separate benefit and is not counted here.
  • EPF interest is tax-free while you are employed, except on employee contributions above ₹2.5 lakh in a year.
  • Withdrawing at a job change resets the compounding. Transferring the account instead is usually worth far more than the amount withdrawn.

Common questions

Why is the employer share smaller than 12 per cent?

The employer also contributes 12 per cent of basic, but 8.33 per cent of it goes to the pension scheme (EPS) rather than your EPF balance, leaving 3.67 per cent here. The pension is a separate benefit and is not in this figure.

What rate does EPF pay?

The EPFO declares it each year; it was 8.25 per cent for 2023-24 and 2024-25. Change the field if it has moved.

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This is general information for education, not investment, tax or legal advice. Rules and rates change; check the official source before acting. Read the full disclaimer.