EPF Calculator
An EPF (Employees' Provident Fund) calculator projects your retirement corpus from monthly contributions. Both you and your employer contribute 12% of basic salary; the balance earns the EPFO-declared rate (8.25% p.a. as of 2026), compounded yearly.
How is EPF calculated?
Employee contributes 12% of basic; employer's 12% is split (8.33% to EPS up to a cap, the rest to EPF). The running balance is compounded at the EPFO rate to retirement.
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Frequently asked questions
- What is the current EPF interest rate?
- The EPFO declares the rate each year; it is 8.25% per annum for 2026. Interest is credited annually to your EPF balance.
- Is EPF withdrawal tax-free?
- EPF withdrawal is tax-free if you have five years of continuous service. Withdraw earlier and the amount, including employer contributions and interest, becomes taxable.