EPF Calculator Online Free — Employee Provident Fund Calculator
Calculate your EPF (Employee Provident Fund) corpus at retirement. See how employee and employer contributions compound over your service years with the current EPF interest rate.
Standard: 12%
Standard: 12%
FY2023-24: 8.25%
Total EPF Corpus
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Employee Total Contribution—
Employer Total Contribution (EPF portion)—
Total Interest Earned—
Total Deposits (without interest)—
Note: Of the employer's 12%, only 3.67% goes to EPF — the remaining 8.33% goes to EPS (Employee Pension Scheme) and is excluded from the corpus. This calculator shows only the EPF accumulation.
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How EPF Contributions Work
Employee: 12% of Basic + DA goes to EPF account every month.
Employer (EPF share): 3.67% of Basic + DA goes to your EPF account.
Employer (EPS share): 8.33% of Basic + DA (capped at ₹1,250/month) goes to EPS — not included in this calculator.
Interest: Compounded annually at the rate declared by EPFO each year.
Frequently Asked Questions
Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India governed by the EPFO (Employees' Provident Fund Organisation). Both the employee and employer contribute 12% of basic salary + DA every month.
Of the employer's 12% contribution: 3.67% goes into the EPF account (earning interest like your own contribution) and 8.33% goes into EPS (Employee Pension Scheme), capped at a salary of ₹15,000/month. EPS funds are used to pay a monthly pension after retirement — they do not earn compounding returns in your EPF balance.
Full EPF withdrawal is allowed after retirement (age 58) or after being unemployed for 2+ months. Partial withdrawal is allowed for specific purposes: home purchase, medical emergency, marriage, or education — subject to service conditions. Online claims can be settled through the UMANG app or EPFO portal.
EPF withdrawal is tax-free if you have completed 5 continuous years of service. If withdrawn before 5 years, the employer's contribution and interest become taxable. Employee contributions are tax-free on withdrawal (since they were deposited from post-tax income), but interest on employee contributions before 5 years is taxable.