EPF Calculator

↻ Updated FY 2026-27

Estimate your EPF corpus at retirement from your basic salary. Includes the 12% employee and 3.67% employer contributions, annual salary hikes and compounding at the EPF rate.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Basic monthly salary (Basic + DA)

EPF is calculated on Basic + Dearness Allowance

EPF interest rate

Years to retirement

Annual salary increase

EPF corpus at retirement

₹1,23,30,336

after 30 years

Total contributions

₹37,47,948

employee 12% + employer 3.67%

Interest earned

₹85,82,388

at 8.25% p.a.

Corpus growth8.25% · 30 yr

year 1year 30

Contributions vs interest

Contributions₹37,47,948

Interest₹85,82,388

ASSUMPTIONS — Of the employer's 12%, only 3.67% goes to your EPF corpus — the other 8.33% funds the EPS pension and is not counted here. Interest compounds monthly at the EPF rate; the EPF rate shown (Jul–Sep 2026 reference) is declared annually by EPFO and can change. Salary is assumed to rise by the same percentage every year and contributions track the full Basic + DA with no wage ceiling applied.

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Sources & rate references

·EPFO — EPF interest rate — 8.25% p.a. (latest declared)
·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.