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
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Check My Resume, Free →What this assumes
- Employee and employer each contribute 12% of basic salary
- Of the employer's 12%, the pension share (EPS) is 8.33% of basic, capped at ₹1,250 a month
- Growth is projected at 8.25% a year, compounded monthly, and the rate is revised annually by the EPFO
- If you tick the ₹15,000 wage ceiling, contributions are calculated on ₹15,000 rather than your full basic
This is an estimate for planning, not tax or financial advice. Your employer’s structure and your own tax position can change the figure.
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 |
Questions
Frequently asked questions
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