EPF Calculator

Estimate your Employee Provident Fund maturity amount for free. Enter salary and years of service to see projected corpus and interest earned. No signup.

EPF Details

50,000
12 %
3.67 %
25 Years
58 Years
8.15 %

Total EPF Corpus at Retirement

0

Employee Contribution

0

Employer Contribution

0

Total Interest Earned

0

Year-wise Growth Projection

Year Employee Contribution Employer Contribution Interest Earned Closing Balance
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Retirement Calculator

EPF Calculator

Estimate your Employees' Provident Fund (EPF) retirement corpus balance by calculating monthly employee and employer contributions.

Local EPF Estimator
STEP 01

Enter Basic Salary

Provide your monthly basic salary amount plus dearness allowance.

STEP 02

Define Contributions

Input your percentage share (default is 12%) and employer contribution rates.

STEP 03

Set Annual Increments

Optionally input estimated annual percentage salary hikes to project salary growth.

STEP 04

Provide Age Settings

Input your current age and planned retirement age (default retirement age is 58).

Your Privacy Matters

All processing stays in your browser

No Server Uploads

Files never leave your device

Auto-Cleared

Data removed when you close

Capabilities

EPF Calculator Features

Retirement Projections

Provident Fund Growth Splits

Breaks down employee share, employer share, and pension scheme contributions.

Interest Rate Multipliers

Applies the latest government-set annual interest rate compounding on your EPF balance.

Salary Increment Projections

Simulates future balance growth by matching compounding salaries against year hikes.

Accumulated Balance Grid

Generates detailed annual breakdowns of contributions, interest, and running balances.

100% Client-Side Privacy

Your salary values, Provident Fund balances, increments, and age schedules are calculated entirely locally inside your browser memory sandbox. We guarantee offline execution with zero server uploads.

Support

Common Questions Answered

Quick help
Q1 What is the Employees' Provident Fund (EPF)?
EPF is a government-backed retirement savings scheme designed for salaried employees, where both the employee and their employer make matching monthly contributions to generate a substantial retirement fund.
Q2 How much do the employee and employer contribute to EPF?
Typically, the employee contributes 12% of their basic salary. The employer matches this 12% contribution, splitting it as 3.67% to the EPF account and 8.33% to the Employees' Pension Scheme (EPS).
Q3 How is interest calculated on EPF balances?
EPF interest is computed monthly based on the running balance, but it is credited to the employee's account at the end of the financial year based on the interest rates declared by the government.
Q4 Can I contribute more than the mandatory 12% to EPF?
Yes, you can contribute up to 100% of your basic pay and dearness allowance voluntarily via the Voluntary Provident Fund (VPF). However, the employer's matching contribution remains capped at the mandatory 12% limit.
Q5 Are my salary figures or EPF details uploaded anywhere?
Absolutely not. All provident fund projections and compound increment computations are executed client-side in the browser sandbox. No parameters are ever logged or sent to remote servers.