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EPF Calculator
Calculate employee and employer EPF contributions and projected maturity corpus based on salary and annual increments.
About the Employees' Provident Fund (EPF)
Administered by the EPFO, the Employee Provident Fund is a mandatory retirement scheme for salaried employees in India.
Contribution Split
- Employee Share: 12% of Basic Salary + DA directly to EPF.
- Employer Share: 3.67% to EPF + 8.33% to EPS (capped at ₹15,000 basic unless higher contribution opted).
Frequently Asked Questions
Is EPF interest tax-free?
Annual employee contributions up to ₹2.5 Lakh earn tax-free interest; interest earned on contributions above this threshold is taxable.
Can an employee contribute more than 12%?
Yes, through the Voluntary Provident Fund (VPF), contributing up to 100% of basic salary and DA.
When can I withdraw my EPF balance?
Full withdrawal is available upon retirement at age 58, or after being unemployed for two continuous months.
What is the minimum service period to transfer EPF tax-free?
Continuous service of 5 years or more makes the accumulated EPF balance completely tax-free upon withdrawal.
How to use
Calculate in three steps
- 1Enter your valuesUse the fields above and check the units shown beside each input.
- 2Run the calculationSelect Calculate to refresh the result with your latest values.
- 3Review or shareCompare the result, reset the form, print it, or share this page.
Inputs
What you need
Monthly Basic Salary + DA₹
Current Ageyrs
Retirement Ageyrs
Existing EPF Balance₹
EPF Annual Interest Rate%
Expected Annual Salary Hike%