EPF Calculator
Grow your Employees' Provident Fund balance year by year at the 8.25% EPF rate.
Result
How to use
- 1
Enter your basic pay, age and current EPF balance.
- 2
Set your expected yearly raise and the EPF interest rate.
- 3
See the balance at 58 and a year-by-year table.
Questions
What is the EPF interest rate?
8.25% a year for FY 2025-26, recommended by the EPFO's Central Board of Trustees and ratified by the government (same as FY 2024-25). The rate is declared every year, so future years may differ.
How are EPF contributions split?
You contribute 12% of basic + DA. Your employer also pays 12%, of which 8.33% goes to the pension scheme (EPS) and 3.67% to EPF. EPS is limited to ₹2,083 a month (8.33% of the ₹25,000 wage ceiling in force since 17 September 2026; it was ₹1,250 on ₹15,000 earlier), so if your basic is above ₹25,000 many employers put the rest of their 12% into EPF — choose “12% minus ₹2,083 EPS” for that.
How is EPF interest calculated?
Interest is worked out every month on the running balance and credited once a year at the end of the financial year. This calculator follows that method and assumes you work till 58.
About this EPF tool
EPF Calculator — Grow your Employees' Provident Fund balance year by year at the 8.25% EPF rate. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter your basic pay, age and current EPF balance.
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Results are estimates to help you plan. They are not financial, tax or medical advice.