Retirement
EPF Calculator
Provident fund balance at retirement.
Your figures
Balance at retirement
₹1,95,86,631
- Total contributed
- ₹68,73,420
- Interest credited
- ₹1,27,13,211
- The pension-scheme portion of the employer contribution builds a separate pension entitlement and is not part of this balance.
Year-by-year
| Year | Contribution | Interest | Balance |
|---|---|---|---|
| 1 | ₹94,020 | ₹45,128 | ₹6,39,148 |
| 2 | ₹1,01,542 | ₹56,918 | ₹7,97,608 |
| 3 | ₹1,09,665 | ₹70,326 | ₹9,77,600 |
| 4 | ₹1,18,438 | ₹85,538 | ₹11,81,575 |
| 5 | ₹1,27,913 | ₹1,02,756 | ₹14,12,245 |
| 6 | ₹1,38,146 | ₹1,22,209 | ₹16,72,600 |
| 7 | ₹1,49,198 | ₹1,44,144 | ₹19,65,942 |
| 8 | ₹1,61,134 | ₹1,68,837 | ₹22,95,912 |
| 9 | ₹1,74,024 | ₹1,96,591 | ₹26,66,528 |
| 10 | ₹1,87,946 | ₹2,27,741 | ₹30,82,216 |
How this is calculated
Each year: contribution = (basic × employee rate + basic × (employer rate − pension diversion)) × 12; interest is credited on the opening balance plus half the year’s contributions.
Projects the EPF balance from salary, contribution rates and the credited interest rate. The portion of the employer’s contribution diverted to the pension scheme is excluded — including it is a common error that overstates the balance.
Assumptions used
- EPF credited rate8.25%
- EPF employee contribution12%
- EPF employer contribution12%
- EPS diversion from employer share8.33%
- Salary growth8%
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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