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EPF calculator

₹
0 ₹Step: 500 ₹2,00,000 ₹
₹
0 ₹Step: 100 ₹10,000 ₹
years
1 yearsStep: 1 years40 years
%
0 %Step: 0.5 %30 %
%

Default matches the EPFO rate declared for 2025–26. The 2026–27 EPFO interest rate had not been announced at the September 2026 review; contribution rules are unchanged.

0 %Step: 0.5 %20 %
%
0 %Step: 0.5 %88 %
Contribution wage basis*
Employer contributes to EPS*
Assumptions

12% employee plus 12% employer on the selected contribution wage basis; VPF is added on full wages. Where EPS applies, 8.33% of wages capped at ₹15,000 is diverted from the employer share, capped at ₹1,250/month. Contributions credited at month-end; monthly interest accrues on the opening balance, credited annually. Actual payroll rounding/dates and exemptions may differ. No assumed prior service, EPS pension or tax exemption is calculated; taxable interest on high contributions is excluded from this gross projection.

Rules: 2025–26, reviewed 2026-09-11. The 2026–27 EPFO interest rate had not been announced at the September 2026 review; contribution rules are unchanged.

EPFO · contribution rates

Estimates are not personalised financial advice. Review assumptions before use.

Projected EPF balance

₹95.14 lakh

Based on your inputs. Not guaranteed. Exact amount: ₹95,13,785.

Employee / VPF contributions₹23.81 lakh
Employer EPF contributions₹20.81 lakh
Future EPF interest₹50.52 lakh

PF contributions

EPS is shown separately and is not included in the projected EPF balance. These shares describe contribution flows, not portfolio allocation.
Employee / VPF contributions₹23.81 lakh
50% of entered contributions
Employer EPF contributions₹20.81 lakh
43.7% of entered contributions
EPS contributions, outside EPF balance₹3 lakh
6.3% of entered contributions

EPS is shown separately and is not included in the projected EPF balance. These shares describe contribution flows, not portfolio allocation.

View detailed breakdown
Annual contributions and growth

Contributions are money added during the year; growth is the change generated by the assumed return.

Is the employer contribution all invested here?

The model separates the EPS allocation from employer EPF. The projected EPF balance is not an estimate of pension benefits.

Detailed results

ResultValue
Projected EPF balance₹95.14 lakh
Employee / VPF contributions₹23.81 lakh
Employer EPF contributions₹20.81 lakh
Future EPF interest₹50.52 lakh
EPS contributions, outside EPF balance₹3 lakh

Schedule

YearOpening balanceContributedGrowthClosing balance
1₹0₹1.29 lakh₹4,878₹1.34 lakh
2₹1.34 lakh₹1.36 lakh₹16,195₹2.86 lakh
3₹2.86 lakh₹1.44 lakh₹29,053₹4.59 lakh
4₹4.59 lakh₹1.52 lakh₹43,611₹6.54 lakh
5₹6.54 lakh₹1.6 lakh₹60,039₹8.74 lakh
6₹8.74 lakh₹1.69 lakh₹78,526₹11.22 lakh
7₹11.22 lakh₹1.78 lakh₹99,276₹13.99 lakh
8₹13.99 lakh₹1.88 lakh₹1.23 lakh₹17.09 lakh
9₹17.09 lakh₹1.98 lakh₹1.48 lakh₹20.55 lakh
10₹20.55 lakh₹2.08 lakh₹1.77 lakh₹24.41 lakh
11₹24.41 lakh₹2.2 lakh₹2.1 lakh₹28.71 lakh
12₹28.71 lakh₹2.31 lakh₹2.46 lakh₹33.47 lakh
13₹33.47 lakh₹2.44 lakh₹2.85 lakh₹38.76 lakh
14₹38.76 lakh₹2.57 lakh₹3.29 lakh₹44.62 lakh
15₹44.62 lakh₹2.7 lakh₹3.78 lakh₹51.11 lakh
16₹51.11 lakh₹2.84 lakh₹4.32 lakh₹58.28 lakh
17₹58.28 lakh₹2.99 lakh₹4.92 lakh₹66.19 lakh
18₹66.19 lakh₹3.15 lakh₹5.58 lakh₹74.92 lakh
19₹74.92 lakh₹3.32 lakh₹6.31 lakh₹84.54 lakh
20₹84.54 lakh₹3.49 lakh₹7.11 lakh₹95.14 lakh
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