EPF Calculator
Employees' Provident Fund (EPF) collects 12% of your basic pay every month plus your employer's share. This calculator projects your balance at retirement and estimates your EPS pension.
How to use it
- Enter your monthly basic pay plus DA, your age and current EPF balance.
- Set your expected yearly salary hike.
- See how much comes from you, your employer and interest.
How it is calculated
Every month: you pay 12% of basic, your employer pays 12% of which 8.33% (on wages up to Rs 25,000) goes to the pension scheme (EPS) and the rest to EPF. Interest accrues monthly and is credited yearly.
Frequently asked questions
What is the EPF interest rate?
8.25% for 2025-26. The rate for 2026-27 is usually announced around February or March.
What changed in the EPF wage ceiling?
From 17 September 2026 the ceiling is Rs 25,000 a month, so the employer's maximum pension share is Rs 2,083 a month.
Is EPF interest taxable?
Interest on your own contributions above Rs 2.5 lakh a year (Rs 5 lakh if your employer does not contribute) is taxable.
Do I get a pension from EPF?
The EPS part pays a monthly pension after 10 years of service. The estimate here uses the classic formula and may differ from EPFO's final figure.