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 कॅल्क्युलेटर 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 टॅक्स-free?

EPF टॅक्स treatment depends on withdrawal timing, contribution limits, आणि current टॅक्स rules. This कॅल्क्युलेटर estimates corpus growth, not टॅक्स liability.

फायनान्स आणि टॅक्स

EPF Corpus कॅल्क्युलेटर

अंदाज घ्या your Employee Provident Fund corpus सह employee contribution, employer EPF contribution, वार्षिक पगार growth, आणि 8.25% व्याज.

मुख्य शब्द

इनपुट बदला

मासिक basic पगार

INR

50001000000

Current EPF balance

INR

010000000

वर्षे to retirement

वर्षे

140

वार्षिक पगार growth

020

फॉर्म्युला स्पष्टीकरण

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

EPF grows through employee contribution, employer EPF contribution, वार्षिक पगार increases, आणि व्याज credited on running provident fund balance.

पायरी-पायरीने उदाहरण

1गणना करा employee contribution as 12% of मासिक basic पगार.
2गणना करा employer EPF contribution as 3.67% of मासिक basic पगार.
3Accrue व्याज on each month's opening balance at 8.25% / 12, then credit accumulated व्याज at वर्ष end.
4Increase पगार every वर्ष by selected wage growth दर आणि 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 पगार: INR 30,000
Current Balance: INR 2 L
वर्षे: 20
Growth: 6%
Estimated Corpus: INR 31 L

संदर्भ 2

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

संदर्भ 3

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

संदर्भ 4

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

Basic पगार	Current Balance	वर्षे	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+

नेहमी विचारले जाणारे प्रश्न

This model assumes 8.25% वार्षिक व्याज, accrued on मासिक opening balances आणि 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