EPF calculator
Estimate the EPF corpus you will have built by 58 from your basic pay, the statutory 12%+12% contributions, your expected salary growth and years of compounding at the EPF rate.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- Monthly basic + DA
Only basic pay plus dearness allowance count for EPF — not your whole CTC or other allowances.
- Annual salary hike
Your expected yearly rise in basic. Contributions grow with it, so over decades this matters as much as the rate.
- Current age
Used to count the years of compounding left to 58, the usual retirement age.
- EPF interest rate
The rate the EPFO declares each year, around 8.25% recently. Run a lower rate too, since the maturity is decades away.
Worked example: From 30, on ₹40,000 basic
A basic of ₹40,000 a month at age 30, growing 6% a year, at an 8.25% EPF rate to age 58.
What to enter
- Monthly basic + DA
- ₹40,000
- Annual salary hike
- 6%
- Current age
- 30
- EPF interest rate
- 8.25%
What it shows you
- Years to 58
- 28
- EPF corpus
- ≈ ₹2 crore
- Interest share
- More than the contributions
- Tax on maturity
- Nil after 5 years’ service
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Market Basics12 minEPF, PPF and NPS: the accounts that quietly do the workThe three retirement accounts most Indians already hold, what each actually returns, how they are taxed, and where they should sit in an allocation.
- Risk & Psychology15 minThe allocation nobody has ever measuredThe app says 100 per cent equity and the household calls itself aggressive. Four other institutions hold the rest of the money, and on the only total that matters the figure is 40 per cent — which is why the prudent-sounding trim moves the household away from its target rather than towards it.
- Technical Analysis13 minA chart with no historyA demerged company lists on a Tuesday with no past at all. Every tool in this track needs a lookback window and there is not one, so the first weeks are read with borrowed structure or with none.
- Market Basics11 minActually starting: your first portfolioA concrete, defensible way to begin — what to buy first, how much, in what order, and the mistakes that make the first year unnecessarily expensive.
- Market Basics12 minAnnuities, NPS at sixty, and turning a corpus into an incomeBuilding the corpus is the part everyone plans for. Converting it into forty years of monthly income is the part almost nobody does — and the default option is rarely the best one.