PF (EPF) Calculator
Calculate your monthly EPF contributions and project your retirement corpus at the current EPFO interest rate.
Monthly contributions
Annual accumulation: ₹72,000
Projected retirement corpus
₹47,38,141
Assumes your PF wage, and hence contribution, stays constant — in practice it usually rises with salary increments, so this is a conservative estimate. Excludes the EPS portion, which is a separate pension benefit rather than a withdrawable corpus.
How EPF contributions work
Under the EPF scheme, the employee contributes 12% of Basic + DA to their Provident Fund. The employer also contributes 12%, but this is split: 8.33% (capped at ₹15,000 of wages, i.e. a maximum of ₹1,250) goes to the Employees' Pension Scheme (EPS), and the remaining 3.67% goes to the EPF account.
The statutory wage ceiling for mandatory PF is ₹15,000 per month. Many employers contribute on the actual Basic + DA instead — use the checkbox above to compare both.
EPFO credits interest annually — 8.25% for FY 2025-26, unchanged for the third year running — calculated monthly on the running balance in your account.
Frequently asked questions
How much PF is deducted from salary?⌄
The employee contributes 12% of Basic + DA to EPF. The employer also contributes 12%, of which 8.33% (capped at ₹15,000 wages, i.e. up to ₹1,250) goes to the Employees' Pension Scheme (EPS) and the remaining 3.67% goes to EPF.
What is the PF wage ceiling?⌄
The statutory PF wage ceiling is ₹15,000 per month. Contributions are mandatory up to this limit; many employers contribute on actual Basic + DA, which you can choose in the calculator.
What is the current EPF interest rate?⌄
EPFO has notified 8.25% for FY 2025-26, unchanged for the third consecutive year. Interest is calculated monthly on your running balance and credited annually.
Can I withdraw my PF?⌄
Yes. The full PF balance can be withdrawn at retirement, or after two months of unemployment. Partial advances are allowed for specific needs such as housing, medical treatment, marriage and education.
Disclaimer: These calculators provide indicative estimates for FY 2025-26 based on standard statutory rules and the inputs you enter. Actual figures depend on your salary structure, state, applicable exemptions and the latest government notifications. Please consult a qualified payroll or tax professional before making decisions.