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EPF Calculator

Project EPF savings from eligible wages, employee and employer contributions, EPS allocation and an assumed interest rate.

Your inputs

₹ INR

Indian scheme / tax rules · amounts in INR.

YOUR RESULT

Projected EPF balance

₹59,03,457.54
Opening balance
₹1,00,000.00
New EPF contributions
₹25,56,898.43
Estimated interest
₹32,46,559.11
Separate EPS allocations
₹3,00,000.00
Calculation method & assumptions

Employee contribution plus the employer contribution after EPS is added at each month end. Interest accrues on monthly opening balances and is credited annually.

Enter the PF wage basis and EPS amount applicable to your membership. EPS is excluded from the EPF corpus. Future rates, wage ceilings and taxable-interest rules may differ.

EPFO: contribution guidancePIB: EPF rate recommendation

Investment breakdown

Compare the components of the estimated total.

Investment breakdownCompare the components of the estimated total. Contributions: INR 26,56,898; Estimated growth: INR 32,46,559ContributionsINR 26,56,898Estimated growthINR 32,46,559Estimated total5.9M

Balance over time

Values at selected points in the calculation period.

Balance over timeValues at selected points in the calculation period. Year 1: INR 1,82,350; Year 3: INR 3,82,036; Year 4: INR 5,01,787; Year 6: INR 7,88,001; Year 8: INR 11,47,213; Year 10: INR 15,94,404; Year 11: INR 18,56,433; Year 13: INR 24,70,003; Year 15: INR 32,22,511; Year 17: INR 41,41,262; Year 18: INR 46,72,867; Year 20: INR 59,03,4585.9M4.4M3.0M1.5M0Y1Y3Y4Y6Y8Y10Y11Y13Y15Y17Y18Y20INR

Detailed breakdown

20 rows
PeriodTotal contributedGrowth / interestBalance
Year 1₹1,71,400.00₹10,949.81₹1,82,349.81
Year 2₹2,47,120.00₹28,856.83₹2,75,976.83
Year 3₹3,27,376.00₹54,659.60₹3,82,035.60
Year 4₹4,12,394.80₹89,392.31₹5,01,787.11
Year 5₹5,02,414.54₹1,34,193.62₹6,36,608.16
Year 6₹5,97,685.27₹1,90,316.22₹7,88,001.49
Year 7₹6,98,469.53₹2,59,137.25₹9,57,606.78
Year 8₹8,05,043.01₹3,42,169.62₹11,47,212.62
Year 9₹9,17,695.16₹4,41,074.32₹13,58,769.47
Year 10₹10,36,729.92₹5,57,673.80₹15,94,403.72
Year 11₹11,62,466.41₹6,93,966.52₹18,56,432.93
Year 12₹12,95,239.73₹8,52,142.73₹21,47,382.46
Year 13₹14,35,401.72₹10,34,601.65₹24,70,003.37
Year 14₹15,83,321.80₹12,43,970.16₹28,27,291.96
Year 15₹17,39,387.89₹14,83,123.00₹32,22,510.89
Year 16₹19,04,007.29₹17,55,204.82₹36,59,212.11
Year 17₹20,77,607.65₹20,63,654.08₹41,41,261.73
Year 18₹22,60,638.04₹24,12,229.01₹46,72,867.04
Year 19₹24,53,569.94₹28,05,035.78₹52,58,605.71
Year 20₹26,56,898.43₹32,46,559.11₹59,03,457.54
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HOW IT WORKS

Three steps. Ready for what’s next.

01

Enter your inputs

Use the labelled fields and select the assumptions or dates that apply to your calculation.

02

Review the result

Results update as inputs change. Check the breakdown, calculation method and assumptions.

03

Copy or download

Copy a summary or download the calculation breakdown as a CSV.

About EPF Calculator.

How epf is calculated

Employee contribution plus the employer contribution after EPS is added at each month end. Interest accrues on monthly opening balances and is credited annually.

What the result means

Project EPF savings from eligible wages, employee and employer contributions, EPS allocation and an assumed interest rate.

Assumptions and scope

Enter the PF wage basis and EPS amount applicable to your membership. EPS is excluded from the EPF corpus. Future rates, wage ceilings and taxable-interest rules may differ.

Using the calculator

Enter monthly pf wages (basic + da), current epf balance, employee contribution, employer contribution, monthly employer eps allocation, annual pf-wage increase, assumed annual epf interest, duration (years). Change the values to compare results. Calculations run in your browser. No account is required.

A LITTLE CLARITY

Good questions. Simple answers.

A few helpful answers before you get started.

Do I need an account?

No. This tool is open to everyone without signing in.

Does this tool need the internet?

Your inputs are calculated in this browser. Load the tool online before using it offline.

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