EPF Calculator

What this tool estimates

It computes the employee's EPF contribution as 12% of basic salary, annualises it, and grows it at the interest rate you enter, adding a year's contributions and then a full year of interest each time. The default rate is 8.25%, the rate declared for 2025-26.

Worked example

With a basic salary of Rs. 25,000 the monthly contribution is Rs. 3,000, or Rs. 36,000 a year. Over 10 years at 8.25% the balance is about Rs. 5,71,288.

Assumptions and gaps

• Employee share only. The employer also contributes 12% of basic, but part (8.33%, subject to a wage ceiling) goes to the pension scheme, so the employer's EPF share is lower than 12%. This tool does not add an employer amount, so a real passbook balance is usually higher.
• No salary growth. Basic pay is held constant. If your pay rises each year, the real corpus will be larger.
• Interest timing. The EPFO credits interest on monthly running balances; this tool simplifies to a yearly step.
• Wage base. The tool uses the basic salary you enter. Under the labour codes in force since 21 November 2025, the PF wage base can be larger than the basic on an older payslip, which would raise contributions.
• Rate is fixed. The EPF rate is declared every year and has varied.

Use this as a quick planning figure and the EPFO passbook for the real balance. See also the PPF calculator and NPS calculator.