EPF Calculator 2026

EPF Calculator — Employee Provident Fund

Calculate EPF corpus, EPS pension, and employer contribution at 8.25% interest

8.25% Interest RateEPS Pension12% Employee + 3.67% EmployerInstant

Enter Your Details

Basic + DA (₹/month)

Years of Service

EPF Interest Rate: 8.25%

Cap employer contribution at ₹15,000 (EPFO limit)

EPF Corpus after 20 years

₹21,57,498

EPS Monthly Pension

₹4,286/mo

Your Contribution (12% of Basic+DA)₹3,000/mo

Employer's EPF Share (3.67%)₹551/mo

Employer's EPS Share (8.33%)₹1,250/mo

Monthly EPF Deposit (excl. EPS)₹3,551/mo

Total EPF Corpus @ 8.25%₹21,57,498

EPS Pension at Retirement (approx)₹4,286/mo

* EPF interest rate for FY 2024-25 is 8.25%. EPS pension formula: (Avg salary × service) / 70. Minimum EPS pension is ₹1,000/month. This calculation assumes constant salary.

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Frequently Asked Questions

The EPFO has declared an EPF interest rate of 8.25% per annum for FY 2024-25. Interest is calculated monthly but credited annually to the EPF account.

Employee contributes 12% to EPF. Of the employer's 12%, 8.33% goes to EPS (capped at ₹15,000 salary) and 3.67% to EPF. EPS provides a monthly pension after retirement.

EPS pension = (Pensionable Salary × Pensionable Service) ÷ 70. Pensionable Salary is capped at ₹15,000/month. With max 35 years service: (15,000 × 35) ÷ 70 = ₹7,500/month.

Full EPF withdrawal is allowed after 2 months of unemployment or at retirement (age 58). Partial withdrawal is permitted for house purchase, medical emergencies, or children's education, subject to conditions.