EPF Calculator
EPF is the 'silent wealth builder' - you barely notice money leaving your salary, but over decades it grows into a massive government-guaranteed corpus.
Your EPF Details
Plan your retirement corpus
This is what 12% of your contribution is calculated on
EPF withdrawal allowed after 58 (55 for some organizations)
Current EPF rate is 8.15% (2024-25). Government revises it every year.
Your EPF at Retirement
Why EPF is a Retirement Superstar
EPF is often called the 'silent wealth builder' because you barely notice the money leaving your salary, but over 30+ years, it grows into a massive corpus. The government guarantee means no market risk, and the tax-free withdrawal (after 5 years) makes it even sweeter. Plus, your employer is essentially giving you free money with their contribution.
How EPF Contributions Break Down
Your Contribution (12% of basic)
100% → EPF Account
Example: ₹25,000 basic → ₹3,000/month to EPF
Employer Contribution (12% of basic)
3.67% → EPF Account + 8.33% → EPS Pension
Example: ₹25,000 basic → ₹917 to EPF, ₹2,083 to pension
Frequently Asked Questions
About the EPF Calculator
EPF is the 'silent wealth builder' - you barely notice money leaving your salary, but over decades it grows into a massive government-guaranteed corpus.
Formula
Reference Table
| Category | Value |
|---|---|
| Basic Salary | 30 Years @8.1% |
| ₹25,000 | ₹3.7 Cr |
| ₹50,000 | ₹7.4 Cr |
| ₹1,00,000 | ₹14.8 Cr |