PF Calculator
Project your EPF corpus at retirement, year by year.
Enter your basic salary and retirement age. We will project your provident fund month by month, applying the same interest method EPFO uses, and show your pension contribution separately.
Where each rupee goes
You contribute 12% of basic plus DA, and all of it goes into your EPF account. Your employer also contributes 12%, but that half splits: 8.33% of wages up to the statutory ceiling goes to the Employees' Pension Scheme, and only the remainder joins your EPF balance. This is why the employer's contribution to your withdrawable corpus is smaller than yours.
The ₹15,000 ceiling
The statutory wage ceiling caps mandatory contributions at 12% of ₹15,000, which is ₹1,800 a month. Many employers contribute on the full basic instead, which builds a much larger corpus. Use the ceiling toggle to model whichever applies to you.
How EPF interest actually works
Interest accrues monthly on the running balance at one-twelfth of the declared annual rate, but it is credited to your account only at the end of the financial year. This calculator replicates that exact method rather than applying simple annual compounding, which would overstate your corpus.
EPS is not part of your lump sum
The pension contribution builds a separate entitlement paid as a monthly pension after retirement, subject to a minimum service period. It is shown separately here so you do not mistake it for withdrawable savings.