EPF Calculator
Updated 20 August 2026
Project your Employees’ Provident Fund corpus at retirement based on your current basic salary, expected annual increments, and the prevailing EPF interest rate.
Open the Live EPF Calculator →Frequently asked questions
What is EPF?
The Employees' Provident Fund is a mandatory retirement savings scheme in India for salaried employees at eligible establishments, where both the employee and employer contribute a percentage of the employee's basic salary and dearness allowance every month, with the accumulated balance earning interest until withdrawal.
Is EPF contribution mandatory?
Yes, for employees earning up to the statutory wage ceiling working at establishments with 20 or more employees, EPF contribution is mandatory. Employees earning above the ceiling, or at smaller establishments, may have EPF as optional or may not be covered, depending on specific rules.
What percentage of my salary goes to EPF?
The employee contributes 12% of Basic+DA every month, and the employer matches this with another 12% — though the employer's share splits between EPF and the Employees' Pension Scheme (EPS), rather than all of it going to your EPF account.
Why does the employer's contribution split between EPF and EPS?
Of the employer's 12% contribution, 8.33% (subject to a wage ceiling) is diverted to the Employees' Pension Scheme, which funds a monthly pension after retirement, while the remaining 3.67% goes into your EPF account alongside your own 12% contribution.