EPF Calculator 2026
See how big your provident fund will grow. Project your EPF maturity from monthly contributions, employer match, and salary growth at the current 8.25% interest rate.
Project Your EPF Corpus
Assumptions & sources
- Interest = 8.25%, the EPFO-notified rate for FY 2025-26 (declared 1 Jul 2026, third year unchanged). Assumed constant for future years unless you edit it.
- Employee contributes your set % (default 12%) of basic + DA; employer adds 12% less the EPS share (8.33% of wage, max ₹1,250/month), which builds a separate pension and is excluded from this EPF corpus.
- Interest compounded monthly on the running balance (EPFO calculates monthly, credits annually — this closely approximates it). Salary steps up once a year by your hike %.
- Real corpus varies with actual rate revisions, salary changes, and any withdrawals. Figures are indicative.
How EPF grows into your maturity corpus
You contribute 12% of your basic + DA; the employer adds its 12% (less the EPS pension share, up to ₹1,250 a month). The running balance earns 8.25% a year, compounded monthly and credited annually. As your salary rises, so do the contributions — the reason a modest monthly amount compounds into a large retirement corpus over 25–30 years.
Frequently Asked Questions
What is the current EPF interest rate?
The EPF interest rate for FY 2025-26 is 8.25%, notified by the EPFO on 1 July 2026 after approval from the Ministry of Labour & Employment. This is the third consecutive year at 8.25%. Interest is calculated on the monthly running balance but credited to your account once a year.
How is EPF maturity calculated?
Each month, 12% of your basic + DA goes into EPF from your side, and the employer adds its share (its 12% minus the EPS pension share of 8.33% of your wage, capped at ₹1,250 a month). The running balance earns interest at 8.25% a year, compounded on the monthly balance. Over your working years — with contributions rising as your salary grows — this compounds into your maturity corpus.
How much does the employer contribute to EPF?
The employer also contributes 12% of your basic + DA, but it is split: 8.33% of your wage, capped at ₹1,250 a month (8.33% of the ₹15,000 wage ceiling), goes to the Employees' Pension Scheme (EPS), and the remainder goes into your EPF account. So your EPF corpus grows from your full 12% plus the employer's EPF portion — the EPS share builds a separate pension, not the EPF lump sum.
Is EPF interest taxable?
EPF interest is tax-free as long as your own contributions stay within ₹2.5 lakh a year (₹5 lakh if the employer does not contribute). Interest on contributions above that threshold is taxable in your hands. The maturity amount is fully tax-free if you have completed five years of continuous service.
Can I contribute more than 12% to EPF?
Yes — through the Voluntary Provident Fund (VPF) you can contribute more than the mandatory 12% of basic, up to 100% of your basic + DA, and it earns the same 8.25% interest. The employer is not obliged to match VPF. To model it here, raise the employee contribution percentage above 12%.