PPF Calculator
See what a Public Provident Fund account could be worth after 15 years or more.
EPF Calculator
Enter your basic salary and years to retirement to see an estimate of your provident fund.
Your files stay with you. Your files never leave your browser. This tool runs on your device: nothing is uploaded to our servers, so there is nothing for us to store or see.
How to use it
- Enter your monthly basic plus DA and your current EPF balance.
- Enter the years until retirement, the expected raise and the interest rate.
- Read the projected balance and the year table.
Questions people ask
How much goes into EPF each month?
You pay 12% of basic plus DA. Your employer also pays 12%, but 8.33% of wages (on a maximum of Rs 15,000, so up to Rs 1,250) goes to the pension scheme and the rest, usually 3.67%, to your EPF account.
What interest rate does the calculator use?
8.25% by default, the rate declared for 2024-25. EPFO announces the rate each year, so change it to the latest figure.
Is EPF interest taxable?
Interest on your own contributions above Rs 2.5 lakh a year (Rs 5 lakh if there is no employer contribution) is taxable. This tool does not model that.
Why is the result different from my passbook?
EPFO credits interest once a year on monthly running balances and your actual salary, raises and rate will differ from the estimate.
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