Calculate your EPF (Employee Provident Fund) balance at retirement with our free calculator. See how your monthly PF contributions (employee + employer) grow over time with compound interest. EPF currently earns 8.25% interest (FY 2024-25) — higher than most fixed deposits.
Enter your current basic salary, age, and existing PF balance. Our calculator projects your total corpus at retirement with a detailed year-by-year growth table showing contributions, interest earned, and cumulative balance — all in Indian Rupees.
How to Use This Calculator
- Enter your monthly Basic Salary + DA.
- Enter your current age and retirement age.
- Enter existing PF balance (check on EPFO portal).
- Click “Calculate” to see your projected PF corpus at retirement.
Frequently Asked Questions
What is the current EPF interest rate?
The EPF interest rate for FY 2024-25 is 8.25%. This rate is declared annually by the EPFO board and has ranged between 8.10% and 8.65% in recent years. EPF interest is compounded annually and is tax-free up to ₹2.5 lakh contribution per year.
How much PF is deducted from salary?
12% of Basic Salary + DA is deducted as employee PF contribution. The employer also contributes 12%, of which 8.33% goes to EPS (Pension Scheme) and 3.67% to EPF. PF is calculated on basic salary up to ₹15,000 (statutory), though many companies calculate on actual basic.
Can I withdraw PF before retirement?
Partial withdrawal is allowed for specific purposes: medical emergency, home purchase/construction, marriage, education, etc. Full withdrawal is allowed after 2 months of unemployment, or at age 58 (retirement). Early withdrawal before 5 years of service is taxable.