Your Current Age (in years)
Your Retirement Age (in years)
Your Current EPF Balance (Rs.)
Your Employee Contribution per month (Rs.)
Your Employer Contribution per month (Rs.)
Your Growth Rate in EPF Contribution (% per annum)
Your Rate of Interest (% per annum)
Your Current Pension Fund Balance (Rs.)
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The Employees' Provident Fund (EPF) is a mandatory retirement savings scheme for most salaried employees in India: typically 12% of basic pay plus dearness allowance is deducted from your salary each month, matched by an equal employer contribution (part of which is routed to the Employees' Pension Scheme), with EPFO declaring an annual interest rate on the accumulated balance.

This calculator projects your EPF corpus at retirement using your current basic salary, existing EPF balance, contribution rate, and an assumption for annual salary increments - since a rising basic salary each year means rising contributions too, not just interest compounding on a static base.

Two practical notes worth keeping in mind: withdrawing your EPF balance before completing five years of continuous service can attract tax that a longer holding avoids, and a portion of the employer's contribution goes toward the EPS pension rather than your withdrawable EPF corpus, so the accumulation shown here reflects the EPF component specifically. Use this alongside the Retirement Planning Calculator to see how your EPF corpus fits into your overall retirement target rather than viewing it in isolation.