EPF calculator — provident fund balance at retirement
Enter basic pay plus DA, your age and your current balance to estimate your provident fund at retirement — with the employer's EPF and pension split shown, not merged.
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Estimate. The method and sources are on this page — check them against your own case before you act.
How it is calculated
An EPF balance grows from three things: your 12%, the part of the employer's 12% that stays in EPF, and interest on the running balance. The calculator adds them month by month.
Monthly EPF credit = 12% of PF wage (you) + 12% of PF wage − 8.33% of min(wage, Rs 25,000) (employer) · interest = rate ÷ 12 on each month's balance, credited at year end
Find your PF wage
Use basic pay plus DA. Many employers deduct PF on the Rs 25,000 statutory wage ceiling instead of actual basic; pick the option that matches your payslip.
Split the employer's 12%
8.33% of wages up to the wage ceiling goes to the pension scheme: Rs 15,000 (at most Rs 1,250 a month) for wage months up to August 2026, and Rs 25,000 (at most Rs 2,082.50) from September 2026, since S.O. 5109(E) took effect on 17 September. Only the rest of the employer's 12% is credited to your EPF.
Add interest the EPFO way
Interest is worked out on the monthly running balance at one-twelfth of the yearly rate and credited once at the end of the year, so it compounds yearly.
Repeat each year to retirement
Your PF wage rises by the yearly increase you enter. The result is an estimate; actual rates are declared each year.
What most pages get wrong
8.25% is the EPF interest rate for 2025–26
The Central Government approved 8.25% for 2025–26 under para 60(1) of the EPF Scheme, the same rate as 2024–25.
Not all of the employer's 12% reaches your EPF
8.33% of wages up to the wage ceiling goes to EPS for your pension: at most Rs 2,082.50 a month from 17 September 2026, up from Rs 1,250.
Rs 25,000 is the PF wage ceiling from 17 September 2026
S.O. 5109(E) raised the ceiling from Rs 15,000. Above it, contribution on actual basic is optional, which changes your take-home pay and your corpus.
Frequently asked questions
What is the EPF interest rate for 2025–26?+
How much of my salary goes to EPF?+
Is the EPS pension contribution included in this balance?+
Why is my PF worked out on Rs 25,000 when my basic is higher?+
How does EPFO calculate interest on my PF?+
Is this the amount I will actually get?+
Which wage ceiling does the calculator use for 2026?+
Sources, dates and a changelog.
Every number this calculator uses is either an input you control or a value from the sources below. The formula is compiled and tested at build time, so the page cannot ship with a broken calculation.
Sources
This page
- Last verified: 30 October 2026
- Next review: 30 April 2027
- Vertical: Salary & Tax
- Build tests: 4 passed
- Changelog: 3 entries
How we handle errors
- Spotted a mistake? Report it — we correct and log it.
- Corrections appear in the changelog below.
- Read the methodology and the disclaimer.