How EPF builds up
Each month 12% of your basic salary goes to EPF from your side, and 3.67% of the employer's 12% also lands in EPF (the rest goes to the pension scheme). The balance earns the EPFO interest rate, compounded, and your basic typically rises each year — this calculator models all of that to your retirement age.
Reading the result
"Maturity corpus" is the projected balance at retirement; "your contribution" shows how much of it you and your employer paid in, with the rest being interest. Small changes to the salary-growth or interest assumptions move the final figure a lot over a long career, so try a few scenarios.
Frequently asked questions
What EPF interest rate should I use?
Use the latest EPFO-declared rate (recently around 8.25%). It's reviewed each year, so the projection is an estimate.
Is EPF maturity tax-free?
EPF is generally tax-free if you have five years of continuous service; early withdrawals can be taxable. Check current rules for your case.
Does it include the pension (EPS) part?
No — this models the EPF corpus. The employer's 8.33% going to EPS is tracked separately by EPFO.
Related tools
This tool gives estimates for general information only and is not financial advice. Confirm exact figures with your bank, lender or a qualified advisor.