Why is employer contribution shown as 3.67%?

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

Does EPF कैलकुलेटर include VPF?

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

Is EPF corpus टैक्स-free?

EPF टैक्स treatment depends on withdrawal timing, contribution limits, और current टैक्स rules. This कैलकुलेटर estimates corpus growth, not टैक्स liability.

वित्त और टैक्स

EPF Corpus कैलकुलेटर

अनुमान लगाएं your Employee Provident Fund corpus के साथ employee contribution, employer EPF contribution, वार्षिक सैलरी growth, और 8.25% ब्याज.

मुख्य शब्द

इनपुट बदलें

मासिक basic सैलरी

INR

50001000000

Current EPF balance

INR

010000000

वर्ष to retirement

वर्ष

140

वार्षिक सैलरी growth

020

फॉर्मूला समझाएं

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

EPF grows through employee contribution, employer EPF contribution, वार्षिक सैलरी increases, और ब्याज credited on running provident fund balance.

स्टेप-बाय-स्टेप उदाहरण

1गणना करें employee contribution as 12% of मासिक basic सैलरी.
2गणना करें employer EPF contribution as 3.67% of मासिक basic सैलरी.
3Accrue ब्याज on each month's opening balance at 8.25% / 12, then credit accumulated ब्याज at वर्ष end.
4Increase सैलरी every वर्ष by selected wage growth दर और 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.

संदर्भ

बेंचमार्क तालिका

आम परिदृश्यों की जल्दी तुलना करें। छोटे स्क्रीन पर क्षैतिज स्क्रॉल करें।

संदर्भ 1

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

संदर्भ 2

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

संदर्भ 3

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

संदर्भ 4

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

Basic सैलरी	Current Balance	वर्ष	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+

अक्सर पूछे जाने वाले प्रश्न

This model assumes 8.25% वार्षिक ब्याज, accrued on मासिक opening balances और credited annually. It is a projection assumption, not a promise of future declared rates. projection starts at beginning of a financial वर्ष.

Estimated EPF corpus

INR 1.28 Cr

विवरण