EPF calculator

8.25% for 2025-26 · Run by EPFO · Tax-free after 5 years of service

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Basic + DA a month₹

Your PF wage: basic pay plus dearness allowance, from your payslip.

Yearly raise%

How much your basic + DA grows each year. An estimate.

Years until you retireyrs

PF balance today₹

From your EPF passbook. Leave it at 0 if you're just starting.

VPF, extra (optional)%

Extra PF from your salary, as a % of basic + DA. It earns the same rate; your employer doesn't match it.

PF is worked out on

Matters only above ₹25,000. If your PF deduction is ₹3,000 a month (₹1,800 before 17 Sep 2026), it's worked out on the cap.

Part of employer's share goes to pension (EPS)

Yes for most people who joined on a PF wage of ₹25,000 or less. Your passbook shows a pension column if so.

Interest rate%

EPFO's rate for 2025-26. It's declared every year, so it can change.

Your tax slab

Used only if your own PF money passes ₹2.5 lakh in a year.

PF balance after 25 yearsAfter tax, in today's money

% inflation

₹87,09,652

Tax-free when you withdraw after 5 years of service.₹87,09,652 is worth this much at today's prices, if prices rise 5.54% a year.

8.25% a yearafter tax

Money put in (yours and your employer's) and interest, by yearMoney put in and interest, by year, in today's moneyPut inEarned

How the EPF rate has changed

EPF's latest rate is 8.25%, for 2025-26, the same since 2023-24. Since 2015-16, it has ranged from 8.1% (2021-22) to 8.8% (2015-16).

EPFO declares each year's rate after the year ends, and it's credited on your whole balance. The calculator assumes 8.25% for every year; the chart shows how much that has moved.

See every rate change (8)

The PF wage ceiling went up from ₹15,000 to ₹25,000 a month on 17 Sep 2026. PF on wages above it is optional, and the pension share is capped at 8.33% of ₹25,000 (₹2,083 a month).
Interest is worked out each month and added once a year, on 31 March. EPFO declares each year's rate after the year ends; this calculator uses 8.25% (2025-26) for every year.
Withdrawals after 5 years of continuous service are tax-free. Interest on your own contributions above ₹2.5 lakh in a year is taxed every year at your slab rate.
The employer's pension share (EPS) builds a monthly pension from age 58, not a lump sum, so it isn't in the balance above.
While you're working you can take out up to 75% of the eligible balance for set needs; the rest stays until you leave your job or retire.
Under the old regime, your own contributions (EPF + VPF) count towards the ₹1.5 lakh deduction. That saving isn't included above.