EPF Calculator India – PF Retirement Corpus & Interest
Use this EPF (Employee Provident Fund) / PF calculator to estimate your retirement corpus, employee and employer contributions, EPS allocation and interest using India-specific assumptions.
Estimate your EPF / PF retirement corpus
Enter your assumptions, then select Calculate.
Projected EPF corpus—
Employee contributions—
Employer amount credited to EPF—
Employer amount diverted to EPS—
Estimated interest earned—
Projection period—
Projection follows an EPFO-style monthly-running-balance convention: a contribution begins earning interest from the succeeding month, with modeled interest credited annually. Actual EPFO passbook amounts can differ because of payroll credit dates, financial-year boundaries, withdrawals, rounding and the rate declared for each year.
Assumptions and limitations
EPFO documents employee contributions generally at 12% (10% for specified establishments), employer contribution split between EPF and EPS, and an EPS/statutory wage ceiling of ₹15,000 in standard cases. The calculator keeps rates editable because individual payroll treatment can differ.
Method and source references
Method/rule references: Employees' Provident Fund Organisation (EPFO) contribution-rate guidance and current EPF interest declarations/recommendations; numerical methodology independently tested by MoneyInNumbers.
Frequently asked questions
What is the difference between EPF and PF?
PF is the common term for provident fund, while EPF refers specifically to the Employees' Provident Fund under India's provident-fund framework.
How does this EPF calculator estimate retirement corpus?
It projects employee and employer EPF contributions and applies the entered EPF interest-rate assumption using a monthly running balance convention.
Does the EPF calculator include EPS?
Yes. The employer contribution can be split between EPF and EPS using the editable EPS percentage and wage-ceiling inputs.