Why is employer contribution shown as 3.67%?

Out of the employer's 12% contribution, 8.33% generally goes toward EPS subject to rules, while 3.67% goes to EPF.

Does the EPF calculator include VPF?

No. This version estimates regular EPF contributions only. VPF can be modeled by increasing the employee contribution logic in a future version.

Is EPF corpus tax-free?

EPF tax treatment depends on withdrawal timing, contribution limits, and current tax rules. This calculator estimates corpus growth, not tax liability.

বিত্ত

EPF Corpus Calculator

Estimate your Employee Provident Fund corpus with employee contribution, employer EPF contribution, annual salary growth, and 8.25% interest.

Key terms

Adjust inputs

Monthly basic salary

INR

50001000000

Current EPF balance

INR

010000000

Years to retirement

Years

140

Annual salary growth

020

সূত্ৰৰ ব্যাখ্যা

EPF corpus = accumulated balance + monthly contributions compounded at 8.25% annually

EPF grows through employee contribution, employer EPF contribution, annual salary increases, and interest credited on the running provident fund balance.

Step-by-Step Example

1Calculate employee contribution as 12% of monthly basic salary.
2Calculate employer EPF contribution as 3.67% of monthly basic salary.
3Accrue interest on each month's opening balance at 8.25% / 12, then credit the accumulated interest at year end.
4Increase salary every year by the selected wage growth rate and repeat until retirement.

Sources & assumptions

EPFO: interest on provident fund balances

Monthly running balances and annual interest credit. The selected projection rate and contribution assumptions are separate.

Reference

Benchmark Table

Compare common scenarios quickly. Scroll horizontally on smaller screens.

Reference 1

Basic Salary: INR 30,000
Current Balance: INR 2 L
Years: 20
Growth: 6%
Estimated Corpus: INR 31 L

Reference 2

Basic Salary: INR 60,000
Current Balance: INR 5 L
Years: 20
Growth: 8%
Estimated Corpus: INR 87 L

Reference 3

Basic Salary: INR 1 L
Current Balance: INR 10 L
Years: 25
Growth: 8%
Estimated Corpus: INR 2.6 Cr

Reference 4

Basic Salary: INR 1.5 L
Current Balance: INR 15 L
Years: 30
Growth: 10%
Estimated Corpus: INR 7 Cr+

Basic Salary	Current Balance	Years	Growth	Estimated Corpus
INR 30,000	INR 2 L	20	6%	INR 31 L
INR 60,000	INR 5 L	20	8%	INR 87 L
INR 1 L	INR 10 L	25	8%	INR 2.6 Cr
INR 1.5 L	INR 15 L	30	10%	INR 7 Cr+

সঘনাই সোধা প্ৰশ্ন

This model assumes 8.25% annual interest, accrued on monthly opening balances and credited annually. It is a projection assumption, not a promise of future declared rates. The projection starts at the beginning of a financial year.

Estimated EPF corpus

INR 1.28 Cr

Details