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EPF Calculator

Employees' Provident Fund balance at retirement from your and your employer's monthly contributions. The rate is declared by EPFO each financial year.

No market riskGuaranteed returnUntil retirement, with permitted withdrawals for housing, medical needs and unemployment

8.25% p.a. for FY 2025-26 — recorded from an official source but not yet confirmed by us. Treat it as a starting figure and check before relying on it. Source · recorded 1 Jul 2026

Maturity value

₹1,57,90,005

after 30 years

You invest

₹36,00,000

Interest earned

₹1,21,90,005

Absolute return

338.6%

total gain on money in

Annualised (XIRR)

8.56%

money-weighted

How it builds up

Maturity value₹1.58 Cr

Invested22.8%
Interest77.2%

Show what it is worth in today’s money

Maturity value

₹1,57,90,005

Interest

₹1.22 Cr

What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk: No market risk
Guaranteed by: Rate declared annually by EPFO with government approval
Lock-in: Until retirement, with permitted withdrawals for housing, medical needs and unemployment
Liquidity: Low
Tax treatment: EEE, subject to conditions. Interest on employee contributions above ₹2.5 lakh a year is taxable.

Worth weighing before you commit

The rate is declared annually and has moved over time; a 30-year projection at today's rate is illustrative.
Only part of the employer's 12% goes to EPF — a portion is directed to the pension scheme (EPS), which this projection does not model.

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EPF

EPF questions, answered

How the arithmetic on this page works, what the projection assumes, and where the output is most often misread.

From three things: your contribution, your employer's contribution, and interest on the accumulated balance. Part of the employer's share is directed to the linked pension scheme rather than the provident fund itself, so the amount landing in your EPF is smaller than the headline percentages imply. The rate is declared annually rather than fixed for the term.

Only if you tell it to. Contributions are a percentage of salary, so a career of rising salaries produces a much larger balance than a flat projection suggests. Entering an annual growth assumption gives a more realistic figure — and comparing it against a no-growth run shows how much of the eventual balance comes from raises rather than returns.

It should be transferred to the new employer's account against the same universal account number, which keeps the balance and the service history intact. Withdrawing instead of transferring resets the compounding that makes the later years worth so much — the balance in the final years of a career is doing most of the work, and it can only get there uninterrupted.

The full balance is normally available at retirement or after a continuous period without employment. Partial withdrawals are permitted for specified purposes — housing, medical treatment, education, marriage — each with its own conditions on service length and amount. The projection assumes nothing is withdrawn along the way.

EPF has historically been exempt at all three stages in India, subject to conditions — notably a minimum period of continuous service, and a cap above which interest on large employee contributions becomes taxable. Withdrawing before completing that service period can make the amount taxable. The conditions change, so confirm the current year's rules before planning a withdrawal.

Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. Government-set rates are revised periodically, so a long projection at today's rate is illustrative rather than a forecast. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.

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What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk

No market risk

Guaranteed by

Rate declared annually by EPFO with government approval

Lock-in

Until retirement, with permitted withdrawals for housing, medical needs and unemployment

Liquidity

Low

Tax treatment

EEE, subject to conditions. Interest on employee contributions above ₹2.5 lakh a year is taxable.

Worth weighing before you commit

The rate is declared annually and has moved over time; a 30-year projection at today's rate is illustrative.
Only part of the employer's 12% goes to EPF — a portion is directed to the pension scheme (EPS), which this projection does not model.

EPF Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

EPF questions, answered

How does an EPF balance build up?

Does the projection account for salary increases?

What happens to the balance when I change jobs?

When can I withdraw?

How is EPF taxed?

EPF Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

EPF questions, answered

How does an EPF balance build up?

Does the projection account for salary increases?

What happens to the balance when I change jobs?

When can I withdraw?

How is EPF taxed?