You will have accumulated
by the time you retire
The EPF Calculator is an online tool that helps estimate your retirement fund. It uses your salary, your contribution rate, and the current 8.25 percent interest rate. Both you and your employer pay 12 percent of your basic salary and DA.
Out of the employer part, 8.33 percent goes to the Employee Pension Scheme. The remaining amount adds to your EPF balance. The tool also uses your expected salary growth and compound interest to show how your savings rise over the years.
The digital changes made to EPF services this year increase the value of the calculator. It helps in several ways.
The tool is simple to use. Start by entering your basic salary, DA, your present age, and your planned retirement age, which is usually 58. Add your contribution rate. The employee share is fixed at 12 percent. The employer share includes 3.67 percent to EPF and 8.33 percent to EPS, with the EPS part capped at 1,250 rupees per month.
Add your current EPF balance if you have one. Then set the salary growth rate, which is usually between 5 percent and 10 percent. The calculator will show your total contributions, interest earned, and your expected retirement savings.
For example, a 28 year old earning 50,000 rupees per month with a 5 percent yearly raise and 8.25 percent interest can build close to 2.6 crore rupees by age 58. Out of this, 45.15 lakh rupees comes from contributions, and 2.19 crore rupees is interest from compounding.
New updates in 2025 have made EPF easier to use. You can now withdraw up to one lakh rupees instantly through UPI if your UAN is linked to Aadhaar. From the third quarter of 2025, you will be able to withdraw up to 15,000 rupees from ATMs.
Claims up to five lakh rupees are settled automatically within three days. You still get tax benefits under Section 80C for contributions up to 1.5 lakh rupees, and interest and withdrawals after five years remain tax free.
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