EPF Calculator
Calculate your Employee Provident Fund maturity amount with detailed yearly breakdown.
Employer Split
EPS 8.33% • EPF 3.67%
EPF Interest Rate
8.25% p.a.
EPF Balance at Retirement
₹1,86,76,512
EPF Calculator: Estimate Your Retirement Corpus (2026-27)
The Employee Provident Fund (EPF) is the cornerstone of retirement planning for salaried individuals in India. Our EPF calculator is updated with the latest EPF interest rate of 8.25% for the 2026-27 financial year. Whether you are starting your career or nearing retirement, this tool helps you visualize your future wealth with a few simple clicks.
How Does the EPF Interest Calculator Work?
The EPF interest calculator uses your basic salary and dearness allowance (DA) to determine your monthly contributions. In India, the standard contribution is 12% from the employee and 12% from the employer. However, the employer's share is split into two parts:
3.67% goes directly into the EPF account.
8.33% is diverted to the Employees' Pension Scheme (EPS), capped at a wage ceiling of ₹15,000 (meaning a maximum of ₹1,250 per month goes to pension).
Latest EPF Interest Rate and Rules (2026 Update)
For the current assessment year, the Central Board of Trustees (CBT) has maintained a competitive EPF interest rate of 8.25%. Key Changes in 2026 (EPFO 3.0):
Members can now withdraw up to 100% of their PF balance for essential needs like illness or education, provided they maintain a 25% minimum balance for retirement.
Advance claims for illness and education up to ₹5 lakh are now auto-settled within 3 working days.
If you lose your job, you can withdraw 75% of your balance immediately; the remaining 25% is accessible after one year of unemployment.
Benefits of Using an EPF Maturity Calculator
Why should you use our EPF calculator?
Understand the power of compounding over 20-30 years of your career.
Determine if your current contribution is enough or if you need to opt for Voluntary Provident Fund (VPF) to increase your corpus.
EPF contributions are eligible for tax deductions under Section 80C, and the interest earned is tax-free (up to specific limits).
Frequently Asked Questions
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