EPF Calculator India 2026 — PF Deduction & Corpus
Calculate exactly how much PF is deducted from your salary, what your employer adds, and your projected retirement corpus at 8.25% interest. Free, instant.
Monthly Basic Salary (₹)
₹
EPF is calculated on basic salary, not gross salary or CTC
EPF Type
Statutory cap: EPF on ₹15,000/month basic. Max deduction ₹1,800/month.
Current Age
Retirement Age
Existing EPF Balance (₹)
₹
From previous employment or current UAN balance
Projected Corpus at Retirement
₹44,05,074
in 32 years · at 8.25% p.a. interest
Monthly EPF Breakdown
Employee Contribution (12%)
−₹1,800/mo
Employer → EPF
Total 12% minus EPS (₹1,250/mo to pension)
+₹550/mo
Total Monthly EPF Credit
₹2,350/mo
Annual Summary
Your Contribution (12 months)
₹21,600/yr
Employer → EPF (12 months)
₹6,600/yr
EPS Pension Fund (12 months)
₹15,000/yr
TOTAL EPF CREDIT / YEAR
Employee + Employer (EPF only, excl. EPS)
₹28,200/yr
EPF transfers when you switch jobs — is your resume ready to land that next role?
Check My Resume — Free →Why EPF Matters More Than You Think
EPF is India's most underrated wealth-building tool for salaried employees.
EPF builds a tax-free retirement corpus
EPF contributions earn 8.25% compound interest, credited annually. Withdrawals after 5 continuous years of service are fully tax-free. This makes EPF one of the highest-returning risk-free instruments in India.
EPS gives you a lifetime pension
Of your employer's 12%, up to 8.33% (₹1,250/month) goes to EPS — the Employee Pension Scheme. After 10 years of contribution and retirement at 58, you receive a monthly pension calculated on pensionable salary.
VPF lets you contribute more
Voluntary Provident Fund (VPF) allows you to contribute above the 12% statutory limit — up to 100% of basic. VPF earns the same 8.25% rate and is tax-deductible under Section 80C (within ₹1.5L limit).
| Contribution | Who Pays | Rate | Where It Goes | Tax Treatment |
|---|---|---|---|---|
| Employee EPF | Employee (deducted from salary) | 12% of basic | Your EPF account | 80C deduction (within ₹1.5L) |
| Employer → EPF | Employer (part of CTC) | 3.67%+ of basic | Your EPF account | Tax-free in your hands |
| Employer → EPS | Employer (part of CTC) | 8.33% of basic (max ₹1,250/mo) | Pension fund (EPFO) | Monthly pension after retirement |
Frequently Asked Questions
Everything about EPF deductions and withdrawals
How much EPF is deducted from salary?
12% of basic salary is deducted as Employee EPF each month. Most companies cap EPF at ₹15,000/month basic → ₹1,800/month deduction. If uncapped, 12% of actual basic is deducted.
How much does the employer contribute to EPF?
Employer contributes 12% of basic (same rate). Of that: 8.33% (capped at ₹1,250/month) goes to EPS (pension); remainder goes to EPF. The employer contribution is included in your CTC — it is not additional money.
What is the EPF interest rate for 2025-26?
EPFO declared 8.25% interest rate for FY 2024-25 and FY 2025-26. Interest is credited annually. This calculator uses 8.25% for all projections.
What is EPS and how is it different from EPF?
EPS (Employee Pension Scheme) is part of the employer's 12% contribution — up to 8.33% (₹1,250/month max) goes to pension. EPF is the retirement savings corpus. EPS provides monthly pension after retirement; EPF is a lump sum withdrawal or annuity.
Can I withdraw EPF when switching jobs?
Yes, but advisable to transfer (not withdraw). Transfer via UAN — balance and service years accumulate. EPF withdrawn before 5 years attracts TDS. After 5 continuous years, withdrawal is tax-free. Partial withdrawal allowed for home, medical, marriage.
Is EPF deduction mandatory?
Mandatory for employees with basic ≤ ₹15,000/month in 20+ employee organizations. Above ₹15,000, EPF is still mandatory but capped at ₹1,800/month deduction. You can voluntarily contribute more via VPF (Voluntary Provident Fund).
EPF is safe — your next job opportunity needs a strong resume
When you switch jobs, EPF transfers. But to get the interview, your resume needs to clear ATS first. Free check, 30 seconds.