What is the current EPF interest rate?

The EPFO Central Board of Trustees has set the EPF interest rate at 8.25% for FY 2025-26. This rate is reviewed every year.

Can I withdraw my EPF before retirement?

Partial withdrawals are allowed for specific purposes: medical emergencies, home purchase/construction, education, or marriage. Full withdrawal is possible after 2 months of unemployment or at retirement (age 58).

What happens to my PF when I switch jobs?

Your UAN (Universal Account Number) stays the same. Give your UAN to the new employer and transfer the old PF balance by filing Form 13 (or Form 11 for automatic transfer). Do not withdraw, let it compound.

Is EPF interest taxable?

EPF interest on employee contributions exceeding ₹2.5 lakh per year is taxable from FY 2021-22 onwards. Below that threshold, interest is tax-free.

What is the difference between EPF and VPF?

VPF (Voluntary Provident Fund) lets you contribute more than the mandatory 12%, up to 100% of Basic + DA. VPF earns the same interest rate as EPF and enjoys the same tax benefits.

EPF / PF Calculator

Estimate PF maturity. Enter your monthly PF contribution (employee + employer to EPF), years and interest rate. FY 2025-26 rate: 8.25%.

Gratuity PPF EPF / PF EMI SIP FD NPS Income Tax HRA Age GST Percentage BMI

How to use this calculator

1
Enter monthly basic salary
Enter your monthly Basic Pay + DA. This is the base for calculating 12% employee and employer PF contributions.
2
Set interest rate and tenure
Use the current EPFO rate (8.25% for FY 2025-26) and enter the number of years until retirement.
3
View corpus projection
The calculator shows total contributions, interest earned, and your projected EPF retirement corpus.

Monthly PF contribution (₹)

₹

Years of investment

yrs

Interest rate (p.a.) %

PF maturity

Total contribution₹ 12,00,000

Interest earned₹ 18,38,301

Maturity amount₹ 30,38,301

Employee 12% + employer 3.67% go to EPF (rest to EPS). Use your combined monthly EPF credit as contribution. Current EPF rate (FY 2025-26): 8.25%.

Quick answer

EPF corpus depends mostly on tenure and contribution consistency: even modest monthly PF credits can compound strongly over 20-30 years.

The Employee Provident Fund (EPF) is India's most popular retirement savings scheme for salaried employees. Managed by EPFO, both employee and employer contribute 12% of Basic + DA every month. The current EPF interest rate for FY 2025-26 is 8.25%.

What is this calculator?

An EPF Calculator estimates the total corpus you will accumulate in your PF account by retirement. It accounts for your monthly contribution, the interest rate, and the number of years of investment. Both employee and employer contributions to the EPF account are considered.

Formula

The EPF grows as a monthly annuity with compound interest:

FV = P × [((1 + i)^n − 1) / i]

Where P = monthly contribution to EPF, i = annual interest rate ÷ 12, and n = total number of months.

Note: Of the employer's 12%, 8.33% goes to EPS (Employee Pension Scheme) and only 3.67% goes to the EPF account. So the total monthly EPF credit = employee's 12% + employer's 3.67% = 15.67% of Basic + DA.

Example

Basic + DA = ₹25,000/month. • Employee contribution: 12% = ₹3,000 • Employer to EPF: 3.67% = ₹918 • Total monthly EPF contribution: ₹3,918 • Rate: 8.25% p.a. • Tenure: 30 years Maturity ≈ ₹58.4 lakh. Of this, total contribution is ₹14.1 lakh and interest earned is ₹44.3 lakh, the power of compounding over decades.

Scenario snapshots

Early-career baseline

Estimate long-term corpus with current Basic + DA before adding aggressive return assumptions.

VPF step-up case

Compare current EPF contribution vs increased employee contribution to see compounding impact.

Job-switch continuity

Model outcomes if you avoid premature withdrawal and keep transferring PF balances.

Decision guide

Choose this when

✓You want a realistic EPF corpus projection under current salary and contribution levels.
✓You are deciding whether to increase PF via VPF for retirement discipline.
✓You need a base retirement estimate before combining PPF and NPS planning.

Pick another route when

•You need month-by-month projections with variable salary increments and exact EPFO posting dates.
•You are comparing liquid short-term savings options where lock-in flexibility matters more.
•You need pension (EPS) payout calculation rather than EPF accumulation.

Common mistakes to avoid

!Assuming full employer 12% goes to EPF and ignoring EPS split.
!Using in-hand salary instead of Basic + DA for contribution base.
!Projecting one fixed interest rate over decades without sensitivity checks.

Assumptions and disclaimers

Updated context: FY 2026

•Contribution and interest rate are treated as constant for planning simplicity.
•No partial withdrawal or inactivity gap is modeled.
•Actual annual EPFO declared rate may change.

In practice (India)

Users often compare EPF calculator results with PPF and NPS before finalising retirement allocation. EPF is salary-linked and relatively stable, but changing jobs, partial withdrawals, and voluntary top-ups can materially change long-term corpus. Use this calculator with conservative assumptions if your salary path is uncertain.

For planning, check at least three cases: current salary only, expected annual increment, and increased employee contribution through VPF. Pair this with our NPS and PPF calculators for a retirement mix, and with income tax tools for old vs new regime decisions.

Benefits

✓See how your PF grows over your career. Plan whether it is enough for retirement.
✓Compare scenarios: what if you increase VPF contribution or change jobs less often?
✓Understand the employer split (EPF vs EPS) and how it affects your corpus.
✓Helps decide whether to withdraw PF on switching jobs or let it compound.

Related calculators and guides

Frequently Asked Questions

What is the current EPF interest rate?: The EPFO Central Board of Trustees has set the EPF interest rate at 8.25% for FY 2025-26. This rate is reviewed every year.
Can I withdraw my EPF before retirement?: Partial withdrawals are allowed for specific purposes: medical emergencies, home purchase/construction, education, or marriage. Full withdrawal is possible after 2 months of unemployment or at retirement (age 58).
What happens to my PF when I switch jobs?: Your UAN (Universal Account Number) stays the same. Give your UAN to the new employer and transfer the old PF balance by filing Form 13 (or Form 11 for automatic transfer). Do not withdraw, let it compound.
Is EPF interest taxable?: EPF interest on employee contributions exceeding ₹2.5 lakh per year is taxable from FY 2021-22 onwards. Below that threshold, interest is tax-free.
What is the difference between EPF and VPF?: VPF (Voluntary Provident Fund) lets you contribute more than the mandatory 12%, up to 100% of Basic + DA. VPF earns the same interest rate as EPF and enjoys the same tax benefits.

This calculator assumes a constant contribution and interest rate throughout the tenure. Actual EPF balance depends on salary increments, rate changes, and withdrawals.