EPF calculator

Estimate how much your Employees’ Provident Fund will hold when you retire, from your salary, current balance and expected pay rises.

Rules for FY 2026-27 · Checked 24 October 2026

yrs
yrs

EPF matures at 58.

40 thousand
₹
2 lakh
₹

See it on the EPFO passbook or UMANG app.

%
%

8.25% was declared for FY 2025-26.

EPF at age 58₹2,60,28,814

2.6 crore. Tax-free after 5 years of continuous service.

  • Today ₹4,800 from you and ₹2,718 from your employer go into EPF each month.
  • Interest makes up 67% of the final balance.
At retirement₹2.6Cr
  • Balance today₹2,00,000
  • Your contributions₹45,53,752
  • Employer contributions₹38,04,052
  • Interest₹1,74,71,011
EPF balance by ageAge 58: ₹2.6Cr
293031323334353637383940414243444546474849505152535455565758

Of the employer's 12%, 8.33% of pay up to ₹25,000 a month goes to your pension (EPS), not to this balance. Interest on your own contributions above ₹2.5 lakh a year is taxable.

Year-by-year table
AgeYou put inEmployer put inInterestBalance
29₹57,600₹32,610₹20,531₹3,10,741
30₹1,18,656₹68,676₹50,508₹4,37,840
31₹1,83,375₹1,08,405₹91,297₹5,83,078
32₹2,51,978₹1,52,018₹1,44,415₹7,48,411
33₹3,24,697₹1,99,747₹2,11,542₹9,35,985
34₹4,01,778₹2,51,838₹2,94,533₹11,48,150
35₹4,83,485₹3,08,555₹3,95,441₹13,87,481
36₹5,70,094₹3,70,174₹5,16,532₹16,56,801
37₹6,61,900₹4,36,990₹6,60,307₹19,59,196
38₹7,59,214₹5,09,314₹8,29,521₹22,98,049
39₹8,62,367₹5,87,477₹10,27,213₹26,77,056
40₹9,71,709₹6,71,829₹12,56,725₹31,00,263
41₹10,87,611₹7,62,741₹15,21,739₹35,72,091
42₹12,10,468₹8,60,608₹18,26,300₹40,97,376
43₹13,40,696₹9,65,846₹21,74,856₹46,81,398
44₹14,78,738₹10,78,898₹25,72,292₹53,29,928
45₹16,25,062₹12,00,232₹30,23,972₹60,49,266
46₹17,80,166₹13,30,346₹35,35,782₹68,46,294
47₹19,44,576₹14,69,766₹41,14,179₹77,28,520
48₹21,18,850₹16,19,050₹47,66,241₹87,04,141
49₹23,03,581₹17,78,791₹54,99,726₹97,82,098
50₹24,99,396₹19,49,616₹63,23,134₹1,09,72,145
51₹27,06,960₹21,32,190₹72,45,770₹1,22,84,919
52₹29,26,977₹23,27,217₹82,77,823₹1,37,32,017
53₹31,60,196₹25,35,446₹94,30,442₹1,53,26,083
54₹34,07,408₹27,57,668₹1,07,15,821₹1,70,80,897
55₹36,69,452₹29,94,722₹1,21,47,299₹1,90,11,473
56₹39,47,219₹32,47,499₹1,37,39,454₹2,11,34,172
57₹42,41,652₹35,16,942₹1,55,08,221₹2,34,66,816
58₹45,53,752₹38,04,052₹1,74,71,011₹2,60,28,814

Where your PF money comes from

  • You pay 12% of your basic pay and DA, all of it into EPF.
  • Your employer also pays 12%. Of that, 8.33% of pay up to ₹25,000 a month (up to ₹2,083) goes to the Employees’ Pension Scheme (EPS), and the rest goes into your EPF.
  • Interest is set every year by EPFO. It was 8.25% for FY 2025-26. It is worked out on your monthly balance and added once a year.

The new wage ceiling

From 17 September 2026, the wage ceiling for EPF and EPS went up from ₹15,000 to ₹25,000 a month. More of the employer’s contribution now goes to the pension scheme, and employees earning up to ₹25,000 are now covered compulsorily.

Tax on EPF

  • Your own contribution counts for 80C in the old regime.
  • Withdrawals after 5 years of continuous service are tax-free.
  • Interest on your own contributions above ₹2.5 lakh a year is taxable each year.

Frequently asked questions

What is the EPF interest rate for 2025-26?

8.25%, the same as the two years before. It was approved by the government in June 2026.

How do I check my EPF balance?

Log in to the EPFO member passbook with your UAN, use the UMANG app, send an SMS to 7738299899, or give a missed call to 9966044425 from your registered mobile.

Can I withdraw EPF before retirement?

Yes, partly, for things like a home, education, marriage or illness, and in full if you are out of work for long enough. EPFO simplified these rules in 2025, so check the current conditions on the member portal. Withdrawals within 5 years of service may be taxed.

Does the calculator include my pension?

No. The EPS part builds a monthly pension, not a lump sum, so it is not in this balance.

Sources: EPFO

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