Estimated EPF corpus
₹54,40,766
Estimate after 20 years at 8.25% assumed interest.
EPF Calculator
Project an Employees' Provident Fund balance from your monthly contributions, current corpus and an assumed interest rate.
Under 30 seconds
Updated 8 Sept 2026
Results dashboard
Total employee contribution
₹8,64,000
Your own share over the period.
Total employer contribution
₹8,64,000
Employer share credited to EPF.
Estimated interest earned
₹35,12,766
About 64.6% of the projected corpus.
Opening balance used
₹2,00,000
Your current passbook balance.
Money you put in
₹19,28,000
Opening balance plus all contributions.
An EPF calculator projects your provident fund balance by adding the monthly employee and employer contributions to your current balance and compounding the total at the interest rate you assume. The result is an estimate: the EPF rate is notified each year, so the actual credited interest will differ.
Visual breakdown
A visual view of your calculation.
Interactive charts arrive here soon.
Year-wise EPF projection
Cumulative contributions, interest and closing balance each year.
| Year | Employee | Employer | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹43,200 | ₹43,200 | ₹21,098 | ₹3,07,498 |
| 2 | ₹86,400 | ₹86,400 | ₹51,409 | ₹4,24,209 |
| 3 | ₹1,29,600 | ₹1,29,600 | ₹91,720 | ₹5,50,920 |
| 4 | ₹1,72,800 | ₹1,72,800 | ₹1,42,890 | ₹6,88,490 |
| 5 | ₹2,16,000 | ₹2,16,000 | ₹2,05,848 | ₹8,37,848 |
| 6 | ₹2,59,200 | ₹2,59,200 | ₹2,81,605 | ₹10,00,005 |
| 7 | ₹3,02,400 | ₹3,02,400 | ₹3,71,257 | ₹11,76,057 |
| 8 | ₹3,45,600 | ₹3,45,600 | ₹4,75,996 | ₹13,67,196 |
| 9 | ₹3,88,800 | ₹3,88,800 | ₹5,97,114 | ₹15,74,714 |
| 10 | ₹4,32,000 | ₹4,32,000 | ₹7,36,015 | ₹18,00,015 |
| 11 | ₹4,75,200 | ₹4,75,200 | ₹8,94,222 | ₹20,44,622 |
| 12 | ₹5,18,400 | ₹5,18,400 | ₹10,73,390 | ₹23,10,190 |
| 13 | ₹5,61,600 | ₹5,61,600 | ₹12,75,315 | ₹25,98,515 |
| 14 | ₹6,04,800 | ₹6,04,800 | ₹15,01,948 | ₹29,11,548 |
| 15 | ₹6,48,000 | ₹6,48,000 | ₹17,55,404 | ₹32,51,404 |
| 16 | ₹6,91,200 | ₹6,91,200 | ₹20,37,984 | ₹36,20,384 |
| 17 | ₹7,34,400 | ₹7,34,400 | ₹23,52,183 | ₹40,20,983 |
| 18 | ₹7,77,600 | ₹7,77,600 | ₹27,00,709 | ₹44,55,909 |
| 19 | ₹8,20,800 | ₹8,20,800 | ₹30,86,506 | ₹49,28,106 |
| 20 | ₹8,64,000 | ₹8,64,000 | ₹35,12,766 | ₹54,40,766 |
Smart Insights
Generated from the numbers you entered — no guesswork.
- Contributions of ₹17,28,000 are projected to earn about ₹35,12,766 in interest over 20 years.
- Interest makes up roughly 65% of the projected corpus — the longer you stay invested, the larger that share becomes.
- Withdrawing EPF between jobs resets this compounding. Transferring the account instead keeps the projection intact.
- The 8.25% rate is an assumption, not a promise. Re-run at a lower rate to see how sensitive the estimate is.
What is the EPF Calculator?
What the tool does, who it is for and what it cannot tell you.
The Employees' Provident Fund is a retirement savings scheme in which you and your employer each contribute every month and the balance earns interest at a rate notified annually. Because contributions continue for decades, most of the eventual corpus comes from compounding rather than from the deposits themselves.
This calculator projects that growth. It starts from your current passbook balance, adds the monthly employee and employer credits you enter, and compounds the result at the rate you assume until your chosen withdrawal year.
It is a projection tool and deliberately simple. It does not split the employer share between EPF and the pension scheme, apply wage ceilings, or model withdrawals, so treat the number as an estimate of scale rather than a statement of entitlement.
How does the EPF Calculator work?
Each step the calculator runs, in plain language.
- 1
Start from your current balance
The passbook balance you enter compounds for the entire period alongside new contributions.
- 2
Add contributions monthly
Both contributions are credited each month and immediately join the compounding balance.
- 3
Apply the assumed interest
One-twelfth of the annual rate is applied to the running balance each month, which is why the balance curve steepens over time.
- 4
Separate contributions from interest
The output keeps employee money, employer money and estimated interest apart, so you can see what compounding contributed.
What to enter in each field
The exact figure each input expects, so the result means what you think it means.
- Monthly employee contribution
- Take it from your payslip. It is typically 12% of basic salary plus dearness allowance.
- Monthly employer contribution to EPF
- Enter only the portion credited to EPF. Where part of the employer's 12% goes to the pension scheme, that part is not included in this projection.
- Current EPF balance
- The balance in your EPF passbook today, including interest already credited.
- Assumed annual interest rate
- The rate is notified each year and can change. Use the current rate, then test a lower one.
- Years until withdrawal
- How long the money stays invested. Assumes contributions continue at the same monthly amount throughout.
EPF Calculator formula
The exact maths behind every number on this page.
Each month: balance = (balance + employee + employer) × (1 + r)
- balance
- Running EPF balance, starting from your current passbook value
- employee
- Your monthly contribution, usually 12% of basic plus DA
- employer
- Employer's monthly contribution credited to EPF
- r
- Assumed annual interest rate ÷ 12 ÷ 100
Interest is applied monthly on the running balance as a projection. EPFO calculates and credits interest under its own rules, so the credited amount will not match exactly.
EPF Calculator calculation example
₹3,600 employee and ₹3,600 employer contribution a month, ₹2,00,000 existing balance, 8.25% assumed rate, 20 years.
- 1Monthly credit₹3,600 + ₹3,600 = ₹7,200
- 2Total contributed₹7,200 × 240 months = ₹17,28,000
- 3Opening balance₹2,00,000 compounding throughout
- 4Assumed rate8.25% a year, applied monthly
The calculator projects the closing corpus and separates contributions from estimated interest, year by year.
Important assumptions
What this calculation includes, and what it leaves out.
- Contributions stay at the amounts you enter for the whole period. In practice they rise as basic salary rises, which this model does not project.
- Interest is applied monthly on the running balance at the assumed annual rate ÷ 12. EPFO's own calculation and crediting method differs in detail.
- The full employer amount entered is treated as an EPF credit. Amounts diverted to the pension scheme should be excluded from that input.
- Statutory wage ceilings, VPF limits, partial withdrawals, advances and taxability of interest above prescribed limits are not modelled.
- The notified EPF rate can change each year; a single assumed rate is used throughout.
Benefits
Why people use this calculator before signing a loan.
See the value of not withdrawing
The projection makes the cost of breaking EPF between jobs obvious.
Plan retirement in the round
Combine the EPF estimate with NPS and SIP projections for a complete picture.
Test the rate assumption
Change the rate to see how much of the projected corpus depends on it.
Financial tips
Practical guidance to act on your result.
- Transfer your EPF when you change jobs instead of withdrawing — the compounding is the whole point.
- Check your passbook balance annually and update it here for a fresher projection.
- If you contribute extra through VPF, add it to the employee contribution field.
- Compare this estimate with your NPS and SIP projections before deciding your retirement contribution mix.
Frequently asked questions
Short, direct answers to the questions we hear most.
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Disclaimer
CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.