Why is only 3.67% of the employer contribution in EPF?

The employer contributes 12%, but 8.33% is diverted to the Employees’ Pension Scheme. Only 3.67% goes into the EPF account that earns interest.

What is the current EPF interest rate?

The rate prefilled in the tool is the most recent EPFO declaration. EPFO sets it annually, so check the visible year label.

Is EPF calculated on basic salary or CTC?

On basic salary plus dearness allowance, not on gross CTC. Using CTC will overstate the projection considerably.

Contributions qualify under 80C and interest is tax-free within limits, though very high contributions can attract tax on the interest. Not modelled here.

Should I include the full 12% employer rate?

Use 3.67% for your actual EPF balance. The full 12% view is useful for seeing total retirement benefits including the pension share.

What is the EPS wage ceiling?

The pension scheme diversion is capped at a monthly wage ceiling, so above that salary more of the employer contribution can reach EPF. Check your payslip for how your employer applies it.

Can I contribute more than 12%?

Yes, through Voluntary Provident Fund, which earns the same interest rate. Raise the employee percentage to model it.

What happens if I change jobs?

Transfer the balance to your new employer using your UAN. Withdrawing instead resets the compounding this projection depends on.

EPF (Provident Fund) Growth Calculator

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Project your EPF corpus at retirement from basic salary and EPFO interest.

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FY 2025-26 (latest declared rate)

Current AgeRetirement AgeMonthly Basic + DA (₹)Current EPF Balance (₹)Your Contribution %EPF Interest Rate %Annual Salary Growth %

Include the full 12% employer contribution instead of the 3.67% EPF share

Projected Corpus

19,862,062.21

Total Contributions

6,443,013.05

Interest Earned

13,119,049.16

Your monthly contribution6,000.00

Employer monthly contribution (3.67%)1,835.00

Years to retirement28

Total your contributions4,934,024.04

Total employer contributions1,508,989.02

Projected corpus19,862,062.21

Of the employer's 12%, 8.33% is diverted to the Employees' Pension Scheme (capped at the 15,000.00 monthly wage ceiling), so only the remainder reaches your EPF account.

EPFO revises the interest rate annually. Contributions are calculated on basic salary plus dearness allowance, not gross CTC. Tax treatment of high contributions is not modelled.

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About EPF (Provident Fund) Growth Calculator

EPF Growth Calculator projects your Employees’ Provident Fund corpus at retirement, handling the contribution split that makes EPF genuinely confusing. You contribute 12% of basic salary plus dearness allowance, and your employer contributes 12% too — but only 3.67% of that lands in your EPF account, because 8.33% is diverted to the Employees’ Pension Scheme. The calculator defaults to the 3.67% EPF share, which is what actually compounds in your provident fund, and lets you switch to the full 12% if you want the combined view. Contributions grow at the EPFO-declared interest rate with optional annual salary growth, and the projected corpus is split into your contributions, employer contributions and interest earned. A year-by-year table shows the balance at every age, and the interest rate is an input because EPFO revises it annually.

Key Features

Correct Employer Split
Defaults to the 3.67% that actually reaches your EPF account rather than the headline 12%, since 8.33% goes to the pension scheme.
Full 12% Toggle
Switch to the combined employer rate if you want the total retirement benefit view including the pension share.
EPFO Rate as an Input
The interest rate is editable because EPFO declares a new one each year. The current rate is prefilled.
Salary Growth Modelling
Contributions rise with basic salary each year, which matters over a 25-year projection.
Three-Way Corpus Split
Separates your contributions, employer contributions and interest earned in the final corpus.
Monthly Contribution Figures
Shows current monthly employee and employer amounts, so you can check them against your payslip.

How to Use

1
Enter your ages
Current age and retirement age. EPF retirement age is normally 58.
2
Enter monthly basic salary
Use basic salary plus dearness allowance, not gross CTC. Contributions are calculated on this figure only.
3
Enter your current EPF balance
Take it from your latest EPFO passbook or UAN statement.
4
Set rates
Employee contribution percentage — 12% is standard — and the current EPFO interest rate.
5
Read the projected corpus
Check the corpus, total contributions and interest earned, then open the yearly table for detail.

Real-World Use Cases

Retirement Corpus Estimate

A salaried professional projects their EPF corpus at 58 to see how much of their retirement need it covers.

VPF Decision

Someone considering Voluntary Provident Fund raises the employee percentage to see the effect on the final corpus.

Payslip Verification

An employee checks their monthly EPF deduction against what 12% of basic salary should produce.

Frequently Asked Questions

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