EPF Calculator — Calculadora Online Grátis
Employee Provident Fund maturity with employer & employee contributions, interest compounding and tax-free status
Sobre Esta Calculadora
The Employee Provident Fund (EPF) is India's most widely used retirement savings instrument, with mandatory contributions for all salaried employees earning up to ₹15,000/month (voluntary for higher earners). Both employee and employer contribute 12% of basic salary each month — effectively giving you a 100% instant return on your own contribution.
Contribution structure: the employee's full 12% goes to EPF. The employer's 12% splits into 8.33% to the Employee Pension Scheme (EPS) — capped at ₹15,000 basic — and 3.67% to EPF. The EPS contribution funds a pension rather than accumulating in your personal EPF account.
Current EPF interest rate: 8.15% per annum (FY 2022-23), compounded monthly. This is a guaranteed, risk-free rate — significantly better than savings accounts (typically 3–4%) and comparable to medium-duration debt mutual funds, without any market risk.
Growth example: a ₹30,000/month basic salary employee contributes ₹3,600/month employee + ₹1,101/month employer EPF contribution = ₹4,701/month total EPF accumulation. Over 30 years at 8.15%, this grows to approximately ₹65 lakhs — entirely tax-free under the EEE (Exempt-Exempt-Exempt) status: contributions are deductible, interest is tax-free, and the maturity amount is tax-free after 5 years of service.
Premature withdrawal before 5 years makes the entire accumulated amount taxable — a significant penalty this calculator's timeline helps you plan around.
Fórmula
Employee contribution: 12% of basic salary Employer: 8.33% to EPS + 3.67% to EPF Interest compounded monthly
Dicas
- EPF enjoys EEE (Exempt-Exempt-Exempt) tax status — contribution, interest and maturity are all tax-free after 5 years.