EPF Calculator
Calculate your EPF corpus at retirement based on salary and contributions.
Results
Your contributions
₹28.70 L
Employer's contributions
₹8.78 L
Total interest earned
₹79.34 L
Years to retirement
30 yrs
EPF corpus at retirement
₹1.17 Cr
Track your EPF balance in FlowTrack
Add your EPF as an asset in FlowTrack and see it as part of your total net worth. Many Indians forget EPF is their biggest asset.
Try FlowTrack free →This is an estimate for planning purposes only and does not constitute financial advice.
How EPF works and why it's India's best retirement tool
The Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India. Both you and your employer contribute 12% of your basic salary each month. Of the employer's 12%, 3.67% goes to your EPF account and 8.33% goes to the Employee Pension Scheme (EPS). Interest is currently 8.25% p.a., declared annually by the EPFO.
EPF is one of the most tax-efficient savings instruments in India, following the EEE (Exempt-Exempt-Exempt) structure: contributions are tax-deductible under Section 80C, interest earned is tax-free, and the maturity amount is tax-free if you've completed 5 years of continuous service. This makes it significantly better than FDs or taxable investments for long-term wealth building.
The power of EPF compounds significantly over a long career. Starting at 25 with a ₹30,000 basic salary and 5% annual increments, you could accumulate over ₹1 crore by retirement at 58 — largely driven by the compounding effect over 33 years and your employer's matching contribution.