Employees’ Provident Fund (EPF) retirement corpus calculator. Computes monthly employee (12%) and employer EPF contributions with the ₹15,000 EPS pension ceiling, statutory 8.25% interest rate, and annual salary increments.
Runs entirely in your browser
The Employees’ Provident Fund (EPF) is India’s main workplace retirement scheme: you and your employer each contribute monthly, the balance earns a statutory interest rate, and it grows into a retirement corpus. This calculator projects that corpus, modelling the employee contribution (12% of basic), the employer’s share with the EPS pension-ceiling split, the statutory interest rate, and annual salary increments.
The employer-contribution split is a detail many calculators miss: part of the employer’s share goes to the pension scheme (EPS) up to a wage ceiling, and only the remainder joins the provident fund balance — so a naive “double the employee contribution” estimate overstates the corpus. Modelling salary increments over a long career also shows how contributions rise over time.
It runs in your browser, so your figures stay private. The EPF interest rate is declared periodically and can change, so treat the projection as an estimate based on the rate you enter.
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