Estimate how much your Employees' Provident Fund will hold when you retire, year by year, with your own salary growth, VPF and the latest EPF interest rate.
Of the employer’s 12%, 8.33% of wages up to ₹15,000 (₹1,250 a month for you) goes to the pension scheme (EPS), not to your EPF balance.
Interest is worked out on the monthly running balance and credited once a year. The rate is fixed each year by the EPFO; 8.25% was ratified for 2025-26.
Interest on your own contributions above ₹2.5 lakh a year is taxable.
This is an estimate based on published rates, not tax or financial advice. Your payslip or assessment may differ. We are an independent site, not affiliated with any government agency.
How EPF contributions work
Contribution
Rate
Goes to
Employee
12% of basic + DA
EPF
Employer – pension
8.33% of wages up to ₹15,000 (max ₹1,250 a month)
EPS (pension)
Employer – balance
the rest of the employer’s 12%
EPF
Voluntary PF (optional)
any extra % you choose
EPF
Some employers pay their share on ₹15,000 only (₹1,800 a month); switch that on under More options.
Worked example
₹30,000 basic at 28, 5% raises, 8.25%, retiring at 58
Over 30 years you contribute ₹28,70,158 and your employer ₹24,20,338, but interest adds ₹1,06,96,441 – compounding does most of the work.
EPF corpus at 58₹1,59,86,938
Your contributions
₹28,70,158
Employer contributions to EPF
₹24,20,338
Interest earned
₹1,06,96,441
Balance year by year
Year
Age
You
Employer
Interest
Balance
1
29
₹43,200
₹28,206
₹2,700
₹74,106
5
33
₹52,510
₹37,516
₹33,476
₹4,88,004
10
38
₹67,017
₹52,023
₹99,768
₹13,73,553
15
43
₹85,533
₹70,539
₹2,14,137
₹28,94,272
20
48
₹1,09,164
₹94,170
₹4,04,342
₹54,15,595
25
53
₹1,39,324
₹1,24,330
₹7,12,853
₹94,96,314
30
58
₹1,77,817
₹1,62,823
₹12,04,342
₹1,59,86,938
How interest is credited
The EPFO works out interest each month on the running balance and credits it once a year after the rate for that year is notified. A month’s contribution starts earning interest from the following month. The rate is set every year – 8.25% has applied since 2023-24 – so long projections are estimates.
Questions people ask
What is the EPF interest rate?
8.25% for 2025-26, as recommended by the EPFO's Central Board of Trustees – the same rate as in 2024-25. The rate is notified by the government before it is credited.
How much does my employer put into EPF?
12% of basic + DA, but 8.33% of wages up to ₹15,000 (₹1,250 a month) goes to the Employees' Pension Scheme. The rest – 3.67% of ₹15,000, or more if your basic is higher – goes to your EPF account.
How much will I have at 58?
With ₹30,000 basic at 28, 5% yearly raises and 8.25% interest, the projection is about ₹1.6 crore. Starting at 30 with ₹50,000 basic gives about ₹2.27 crore.
Is EPF interest taxable?
Interest on your own contributions above ₹2.5 lakh a year is taxable. Withdrawals after five years of continuous service are generally tax-free.
This is an estimate based on published rates, not tax or financial advice. Your payslip or assessment may differ. We are an independent site, not affiliated with any government agency. Read the full disclaimer.
