Calculate in-hand

EPF Calculator

Your PF balance at retirement, year by year, with the employer's pension (EPS) share split out correctly. 8.25% interest, ₹25,000 wage ceiling. Private, instant.

Your PF details
₹
Usually 40–50% of your CTC. It's on your payslip.
₹
From your EPFO passbook. Leave 0 if you're just starting.

PF is calculated on

Pension (EPS) contribution

Not sure? If your passbook shows a "pension" column with money in it, choose Yes.
₹
Your EPF at retirement
EPF balance at 58
₹57,86,012
Into EPF / month
₹3,917
You ₹3,000 + employer ₹917
To pension (EPS)
₹2,083
Per month, not in balance
You put in
₹10.8 lakh
Incl. VPF
Interest earned
₹43.8 lakh
How your balance grows
InterestContributions

Where your PF money goes each month
Your 12% (deducted from salary)
Your VPF
Employer's share into EPF
Employer's share into EPS pension
Added to your EPF balance
Year-by-year table
AgeBasic / monthPaid in that yearInterestBalance

See what PF does to your take-home?

CTC → In-Hand Calculator →

What changed with the ₹25,000 ceiling?

EPF Wage Ceiling Guide →

How EPF is calculated

Every month, 12% of your basic salary (plus dearness allowance) is deducted for EPF. Your employer adds another 12%, but that 12% is split:

  • 8.33% goes to the Employees' Pension Scheme (EPS), calculated on basic up to the ₹25,000 wage ceiling. That's at most ₹2,083 a month. It builds your pension, not your EPF balance, and earns no EPF interest.
  • The rest goes into your EPF account: 3.67% of basic up to the ceiling, plus the full 12% on any basic above it if your employer contributes on your full basic.

Interest, currently 8.25% a year (FY2025-26, ratified in June 2026), is calculated on your monthly running balance and credited once a year, so it compounds.

Worked example: basic ₹30,000 a month, PF on the ₹25,000 ceiling. You pay ₹3,000. Your employer pays ₹3,000, of which ₹2,083 goes to EPS and ₹917 to EPF. So ₹3,917 a month is added to your EPF balance, not ₹6,000. Over 30 years with 5% yearly raises at 8.25%, that grows to about ₹57,86,012: ₹10.8 lakh from you, ₹3.3 lakh from your employer and ₹43.8 lakh of interest.

Calculators that put the employer's whole 12% into EPF skip the pension split, and overstate your balance by several lakh over a career.

What this calculator assumes

The interest rate stays the same every year (it's set annually, and has been 8.25% for three years running), your salary rises by the same percentage each year, and you don't withdraw early. The wage ceiling stays at ₹25,000. Results are estimates; your EPFO passbook is the official record.

PF on common salaries

PF on ₹15,000 salary · PF on ₹20,000 salary · PF on ₹25,000 salary · PF on ₹30,000 salary · PF on ₹35,000 salary · PF on ₹40,000 salary · PF on ₹50,000 salary · PF on ₹75,000 salary · PF on ₹1 lakh salary

Frequently Asked Questions

How is EPF calculated?
You pay 12% of your basic salary (plus DA) into EPF. Your employer also pays 12%, but 8.33% of it, on basic up to ₹25,000, goes to your EPS pension account; only the rest (3.67%, or more if your employer contributes on a higher basic) goes into your EPF balance. Interest at 8.25% (FY2025-26) is worked out on your monthly running balance and credited once a year.
How much PF is deducted from salary?
12% of your basic salary. Since 17 September 2026 the statutory wage ceiling is ₹25,000, so if your PF is calculated on the ceiling the maximum deduction is ₹3,000 a month. Many employers deduct 12% of the full basic instead; check your payslip.
What is the EPF interest rate for 2025-26?
8.25% a year. The EPFO's Central Board of Trustees kept the rate at 8.25% in March 2026 and the government ratified it in June 2026. The rate for 2026-27 has not been announced yet.
Why is my EPF balance lower than 24% of my basic?
Because most of your employer's share does not go into EPF. Of the employer's 12%, 8.33% of basic (up to ₹25,000, so at most ₹2,083 a month) goes to the Employees' Pension Scheme. That money pays a monthly pension later; it does not appear in your EPF balance and earns no interest there. Many EPF calculators ignore this and overstate the balance.
Is EPF interest taxable?
Interest is tax-free on your own contributions (including VPF) up to ₹2.5 lakh a year. Interest on contributions above that is taxable every year. Employer contributions to EPF, NPS and superannuation above ₹7.5 lakh a year in total, and the interest on that excess, are also taxable.
Is EPF withdrawal taxable?
Not if you have five years of continuous service (service with earlier employers counts if you transferred your PF). If you withdraw earlier, the employer's share, the interest and any contributions you claimed tax deduction on become taxable, and TDS applies above ₹50,000.
Does this calculator include the EPS pension?
It shows how much goes to EPS each month but does not add it to your EPF balance or project a pension amount. EPS pension depends on your pensionable service and average salary under the scheme's own formula, so it is not a balance you can withdraw like EPF.

Last checked 2026-11-10. Sources: EPFO interest rate for 2025-26 (CBT, March 2026; ratified June 2026); wage ceiling notification S.O. 5109(E), effective 17 September 2026.

Explore

Keep making sense of your salary

GuidesAll guides
How to read your payslipCTC vs in-hand, explainedPF deduction explainedHRA exemption, step by stepNew ₹25,000 PF wage ceiling
Salary by CTCAll salaries
₹15 LPAIn-hand →₹35 LPAIn-hand →₹40 LPAIn-hand →₹60 LPAIn-hand →₹75 LPAIn-hand →₹1 CrIn-hand →
Any other amountCustom calculator
Compare
Bangalore vs HyderabadStartup vs MNCTCS vs Infosys (freshers)Compare two job offers

How much PF will you retire with?

Free, instant, private
Start →