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For Indian employees & employers

Provident fund calculator

See where each contribution goes, and how your EPF balance could grow.

Free, no signupSource check: 26 September 2026Estimates with visible assumptions
1

Your details

Basic + DA and any additional components required by the statutory wage definition.

Do not include an EPS pension amount.

Calculations run in your browser. No signup required; entered amounts are not submitted.

Projected EPF at retirement

₹58,40,035

30 full contribution years · before any tax on interest

Employee EPF · now / month

₹3,000

Employer EPS · now / month

₹2,083

Pension allocation, excluded from EPF maturity

Employer EPF · now / month
₹917
Total entering EPF · now / month
₹3,917
Future employee + employer EPF deposits
₹14,60,112
Projected interest
₹43,79,923
Future EPS allocations · separate
₹6,99,888
  • Opening balance: ₹0
  • EPF deposits: ₹14,60,112
  • Interest: ₹43,79,923
Full-month contributions use the ₹25,000 ceiling effective 17 September 2026. For September payroll, split the month at 17 September using EPFO's transition FAQ. This projection starts with full months and holds the ceiling and interest assumption constant.
Year-by-year projection
Year / ageEmployee EPFEmployer EPFEPS (separate)InterestEPF balance
1 / 31₹36,000₹11,004₹24,996₹1,777₹48,781
2 / 32₹36,000₹11,004₹24,996₹5,802₹1,01,587
3 / 33₹36,000₹11,004₹24,996₹10,158₹1,58,749
4 / 34₹36,000₹11,004₹24,996₹14,874₹2,20,628
5 / 35₹36,000₹11,004₹24,996₹19,979₹2,87,611
6 / 36₹36,000₹11,004₹24,996₹25,505₹3,60,120
7 / 37₹36,000₹11,004₹24,996₹31,487₹4,38,611
8 / 38₹36,000₹11,004₹24,996₹37,963₹5,23,578
9 / 39₹36,000₹11,004₹24,996₹44,973₹6,15,554
10 / 40₹36,000₹11,004₹24,996₹52,561₹7,15,119
11 / 41₹36,000₹11,004₹24,996₹60,775₹8,22,898
12 / 42₹36,000₹11,004₹24,996₹69,666₹9,39,568
13 / 43₹36,000₹11,004₹24,996₹79,292₹10,65,864
14 / 44₹36,000₹11,004₹24,996₹89,711₹12,02,579
15 / 45₹36,000₹11,004₹24,996₹1,00,990₹13,50,573
16 / 46₹36,000₹11,004₹24,996₹1,13,200₹15,10,777
17 / 47₹36,000₹11,004₹24,996₹1,26,416₹16,84,197
18 / 48₹36,000₹11,004₹24,996₹1,40,724₹18,71,925
19 / 49₹36,000₹11,004₹24,996₹1,56,211₹20,75,140
20 / 50₹36,000₹11,004₹24,996₹1,72,976₹22,95,120
21 / 51₹36,000₹11,004₹24,996₹1,91,125₹25,33,249
22 / 52₹36,000₹11,004₹24,996₹2,10,770₹27,91,023
23 / 53₹36,000₹11,004₹24,996₹2,32,037₹30,70,064
24 / 54₹36,000₹11,004₹24,996₹2,55,058₹33,72,126
25 / 55₹36,000₹11,004₹24,996₹2,79,978₹36,99,107
26 / 56₹36,000₹11,004₹24,996₹3,06,954₹40,53,065
27 / 57₹36,000₹11,004₹24,996₹3,36,155₹44,36,224
28 / 58₹36,000₹11,004₹24,996₹3,67,766₹48,50,994
29 / 59₹36,000₹36,000₹0₹4,02,930₹53,25,923
30 / 60₹36,000₹36,000₹0₹4,42,111₹58,40,035

8.25% is an editable assumption, not a promised rate. Interest uses monthly balances, with a deposit earning from the next month and interest credited annually. No withdrawals, wage-ceiling changes, special pension elections or tax on excess-contribution interest are modelled. EDLI and administrative charges are not EPF savings.

How this estimate works

Why is the wage ceiling ₹25,000 instead of ₹15,000?

EPFO's September 2026 revision increased the statutory ceiling from 17 September. The full-month illustration here uses ₹25,000. September itself must be split before and after the change; EPFO's portal FAQ gives the transition examples.

Is EPS included in the projected balance?

No. The employer's EPS allocation is shown separately; it does not earn EPF interest in this projection. Only employee EPF, employer EPF and the opening EPF balance are compounded. Ordinary EPS contributions stop at age 58 in this model; special or deferred arrangements are outside its scope.

Is 8.25% a guaranteed future return?

No. It is an editable projection assumption. EPFO approved 8.25% for FY 2024–25; the CBT recommended the same for FY 2025–26. A recommendation is distinct from notification, and future rates can change. Interest here uses monthly balances and annual credit, before any tax on interest.

Official sources

Sources checked by the AionHRMS product team on 2026-09-26. This planning tool is not a substitute for a payroll or tax review of your circumstances.

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