EPF CALCULATOR
Calculate retirement corpus from your Employee Provident Fund contributions and the current interest rate of 8.25%.
₹30,000
5%
Retirement EPF Projections
Your Contribution
₹34,58,724
Employer Contribution
₹29,63,724
Total Interest Gained
₹1,52,69,549
Retirement Corpus
₹2,16,91,997
Note: Standard employee contribution is 12%. The employer's 12% is split: 8.33% goes to the Employee Pension Scheme (EPS) capped at ₹1,250/month, and the remainder goes to the EPF.
Retirement Projection Ledger
| Year | Age | Basic Salary | Employee Share | Employer Share | Interest | Ending Balance |
|---|---|---|---|---|---|---|
| Year 1 | 26 Years | ₹30,000 | ₹43,200 | ₹28,200 | ₹3,191 | ₹74,591 |
| Year 2 | 27 Years | ₹31,500 | ₹45,360 | ₹30,360 | ₹9,537 | ₹1,59,848 |
| Year 3 | 28 Years | ₹33,075 | ₹47,628 | ₹32,628 | ₹16,774 | ₹2,56,878 |
| Year 4 | 29 Years | ₹34,729 | ₹50,004 | ₹35,004 | ₹24,991 | ₹3,66,877 |
| Year 5 | 30 Years | ₹36,465 | ₹52,512 | ₹37,512 | ₹34,290 | ₹4,91,191 |
| Year 6 | 31 Years | ₹38,288 | ₹55,140 | ₹40,140 | ₹44,781 | ₹6,31,252 |
| Year 7 | 32 Years | ₹40,203 | ₹57,888 | ₹42,888 | ₹56,582 | ₹7,88,610 |
| Year 8 | 33 Years | ₹42,213 | ₹60,792 | ₹45,792 | ₹69,823 | ₹9,65,017 |
| Year 9 | 34 Years | ₹44,324 | ₹63,828 | ₹48,828 | ₹84,648 | ₹11,62,321 |
| Year 10 | 35 Years | ₹46,540 | ₹67,020 | ₹52,020 | ₹1,01,211 | ₹13,82,572 |
| Year 11 | 36 Years | ₹48,867 | ₹70,368 | ₹55,368 | ₹1,19,681 | ₹16,27,989 |
| Year 12 | 37 Years | ₹51,310 | ₹73,884 | ₹58,884 | ₹1,40,242 | ₹19,00,999 |
| Year 13 | 38 Years | ₹53,876 | ₹77,580 | ₹62,580 | ₹1,63,096 | ₹22,04,255 |
| Year 14 | 39 Years | ₹56,569 | ₹81,456 | ₹66,456 | ₹1,88,461 | ₹25,40,628 |
| Year 15 | 40 Years | ₹59,398 | ₹85,536 | ₹70,536 | ₹2,16,576 | ₹29,13,276 |
| Year 16 | 41 Years | ₹62,368 | ₹89,808 | ₹74,808 | ₹2,47,702 | ₹33,25,594 |
| Year 17 | 42 Years | ₹65,486 | ₹94,296 | ₹79,296 | ₹2,82,119 | ₹37,81,305 |
| Year 18 | 43 Years | ₹68,761 | ₹99,012 | ₹84,012 | ₹3,20,137 | ₹42,84,466 |
| Year 19 | 44 Years | ₹72,199 | ₹1,03,968 | ₹88,968 | ₹3,62,090 | ₹48,39,492 |
| Year 20 | 45 Years | ₹75,809 | ₹1,09,164 | ₹94,164 | ₹4,08,344 | ₹54,51,164 |
| Year 21 | 46 Years | ₹79,599 | ₹1,14,624 | ₹99,624 | ₹4,59,295 | ₹61,24,707 |
| Year 22 | 47 Years | ₹83,579 | ₹1,20,348 | ₹1,05,348 | ₹5,15,374 | ₹68,65,777 |
| Year 23 | 48 Years | ₹87,758 | ₹1,26,372 | ₹1,11,372 | ₹5,77,051 | ₹76,80,572 |
| Year 24 | 49 Years | ₹92,146 | ₹1,32,684 | ₹1,17,684 | ₹6,44,836 | ₹85,75,776 |
| Year 25 | 50 Years | ₹96,753 | ₹1,39,320 | ₹1,24,320 | ₹7,19,283 | ₹95,58,699 |
| Year 26 | 51 Years | ₹1,01,591 | ₹1,46,292 | ₹1,31,292 | ₹8,00,997 | ₹1,06,37,280 |
| Year 27 | 52 Years | ₹1,06,670 | ₹1,53,600 | ₹1,38,600 | ₹8,90,633 | ₹1,18,20,113 |
| Year 28 | 53 Years | ₹1,12,004 | ₹1,61,280 | ₹1,46,280 | ₹9,88,903 | ₹1,31,16,576 |
| Year 29 | 54 Years | ₹1,17,604 | ₹1,69,344 | ₹1,54,344 | ₹10,96,582 | ₹1,45,36,846 |
| Year 30 | 55 Years | ₹1,23,484 | ₹1,77,816 | ₹1,62,816 | ₹12,14,512 | ₹1,60,91,990 |
| Year 31 | 56 Years | ₹1,29,658 | ₹1,86,708 | ₹1,71,708 | ₹13,43,606 | ₹1,77,94,012 |
| Year 32 | 57 Years | ₹1,36,141 | ₹1,96,044 | ₹1,81,044 | ₹14,84,857 | ₹1,96,55,957 |
| Year 33 | 58 Years | ₹1,42,948 | ₹2,05,848 | ₹1,90,848 | ₹16,39,344 | ₹2,16,91,997 |
Year 1 (Age 26)Closing: ₹74,591
Basic Monthly Salary₹30,000
Your Contribution (12%)₹43,200
Employer Contribution₹28,200
Interest Credited (8.25%)+₹3,191
Year 2 (Age 27)Closing: ₹1,59,848
Basic Monthly Salary₹31,500
Your Contribution (12%)₹45,360
Employer Contribution₹30,360
Interest Credited (8.25%)+₹9,537
Year 3 (Age 28)Closing: ₹2,56,878
Basic Monthly Salary₹33,075
Your Contribution (12%)₹47,628
Employer Contribution₹32,628
Interest Credited (8.25%)+₹16,774
Year 4 (Age 29)Closing: ₹3,66,877
Basic Monthly Salary₹34,729
Your Contribution (12%)₹50,004
Employer Contribution₹35,004
Interest Credited (8.25%)+₹24,991
Year 5 (Age 30)Closing: ₹4,91,191
Basic Monthly Salary₹36,465
Your Contribution (12%)₹52,512
Employer Contribution₹37,512
Interest Credited (8.25%)+₹34,290
Year 6 (Age 31)Closing: ₹6,31,252
Basic Monthly Salary₹38,288
Your Contribution (12%)₹55,140
Employer Contribution₹40,140
Interest Credited (8.25%)+₹44,781
Year 7 (Age 32)Closing: ₹7,88,610
Basic Monthly Salary₹40,203
Your Contribution (12%)₹57,888
Employer Contribution₹42,888
Interest Credited (8.25%)+₹56,582
Year 8 (Age 33)Closing: ₹9,65,017
Basic Monthly Salary₹42,213
Your Contribution (12%)₹60,792
Employer Contribution₹45,792
Interest Credited (8.25%)+₹69,823
Year 9 (Age 34)Closing: ₹11,62,321
Basic Monthly Salary₹44,324
Your Contribution (12%)₹63,828
Employer Contribution₹48,828
Interest Credited (8.25%)+₹84,648
Year 10 (Age 35)Closing: ₹13,82,572
Basic Monthly Salary₹46,540
Your Contribution (12%)₹67,020
Employer Contribution₹52,020
Interest Credited (8.25%)+₹1,01,211
Year 11 (Age 36)Closing: ₹16,27,989
Basic Monthly Salary₹48,867
Your Contribution (12%)₹70,368
Employer Contribution₹55,368
Interest Credited (8.25%)+₹1,19,681
Year 12 (Age 37)Closing: ₹19,00,999
Basic Monthly Salary₹51,310
Your Contribution (12%)₹73,884
Employer Contribution₹58,884
Interest Credited (8.25%)+₹1,40,242
Year 13 (Age 38)Closing: ₹22,04,255
Basic Monthly Salary₹53,876
Your Contribution (12%)₹77,580
Employer Contribution₹62,580
Interest Credited (8.25%)+₹1,63,096
Year 14 (Age 39)Closing: ₹25,40,628
Basic Monthly Salary₹56,569
Your Contribution (12%)₹81,456
Employer Contribution₹66,456
Interest Credited (8.25%)+₹1,88,461
Year 15 (Age 40)Closing: ₹29,13,276
Basic Monthly Salary₹59,398
Your Contribution (12%)₹85,536
Employer Contribution₹70,536
Interest Credited (8.25%)+₹2,16,576
Year 16 (Age 41)Closing: ₹33,25,594
Basic Monthly Salary₹62,368
Your Contribution (12%)₹89,808
Employer Contribution₹74,808
Interest Credited (8.25%)+₹2,47,702
Year 17 (Age 42)Closing: ₹37,81,305
Basic Monthly Salary₹65,486
Your Contribution (12%)₹94,296
Employer Contribution₹79,296
Interest Credited (8.25%)+₹2,82,119
Year 18 (Age 43)Closing: ₹42,84,466
Basic Monthly Salary₹68,761
Your Contribution (12%)₹99,012
Employer Contribution₹84,012
Interest Credited (8.25%)+₹3,20,137
Year 19 (Age 44)Closing: ₹48,39,492
Basic Monthly Salary₹72,199
Your Contribution (12%)₹1,03,968
Employer Contribution₹88,968
Interest Credited (8.25%)+₹3,62,090
Year 20 (Age 45)Closing: ₹54,51,164
Basic Monthly Salary₹75,809
Your Contribution (12%)₹1,09,164
Employer Contribution₹94,164
Interest Credited (8.25%)+₹4,08,344
Year 21 (Age 46)Closing: ₹61,24,707
Basic Monthly Salary₹79,599
Your Contribution (12%)₹1,14,624
Employer Contribution₹99,624
Interest Credited (8.25%)+₹4,59,295
Year 22 (Age 47)Closing: ₹68,65,777
Basic Monthly Salary₹83,579
Your Contribution (12%)₹1,20,348
Employer Contribution₹1,05,348
Interest Credited (8.25%)+₹5,15,374
Year 23 (Age 48)Closing: ₹76,80,572
Basic Monthly Salary₹87,758
Your Contribution (12%)₹1,26,372
Employer Contribution₹1,11,372
Interest Credited (8.25%)+₹5,77,051
Year 24 (Age 49)Closing: ₹85,75,776
Basic Monthly Salary₹92,146
Your Contribution (12%)₹1,32,684
Employer Contribution₹1,17,684
Interest Credited (8.25%)+₹6,44,836
Year 25 (Age 50)Closing: ₹95,58,699
Basic Monthly Salary₹96,753
Your Contribution (12%)₹1,39,320
Employer Contribution₹1,24,320
Interest Credited (8.25%)+₹7,19,283
Year 26 (Age 51)Closing: ₹1,06,37,280
Basic Monthly Salary₹1,01,591
Your Contribution (12%)₹1,46,292
Employer Contribution₹1,31,292
Interest Credited (8.25%)+₹8,00,997
Year 27 (Age 52)Closing: ₹1,18,20,113
Basic Monthly Salary₹1,06,670
Your Contribution (12%)₹1,53,600
Employer Contribution₹1,38,600
Interest Credited (8.25%)+₹8,90,633
Year 28 (Age 53)Closing: ₹1,31,16,576
Basic Monthly Salary₹1,12,004
Your Contribution (12%)₹1,61,280
Employer Contribution₹1,46,280
Interest Credited (8.25%)+₹9,88,903
Year 29 (Age 54)Closing: ₹1,45,36,846
Basic Monthly Salary₹1,17,604
Your Contribution (12%)₹1,69,344
Employer Contribution₹1,54,344
Interest Credited (8.25%)+₹10,96,582
Year 30 (Age 55)Closing: ₹1,60,91,990
Basic Monthly Salary₹1,23,484
Your Contribution (12%)₹1,77,816
Employer Contribution₹1,62,816
Interest Credited (8.25%)+₹12,14,512
Year 31 (Age 56)Closing: ₹1,77,94,012
Basic Monthly Salary₹1,29,658
Your Contribution (12%)₹1,86,708
Employer Contribution₹1,71,708
Interest Credited (8.25%)+₹13,43,606
Year 32 (Age 57)Closing: ₹1,96,55,957
Basic Monthly Salary₹1,36,141
Your Contribution (12%)₹1,96,044
Employer Contribution₹1,81,044
Interest Credited (8.25%)+₹14,84,857
Year 33 (Age 58)Closing: ₹2,16,91,997
Basic Monthly Salary₹1,42,948
Your Contribution (12%)₹2,05,848
Employer Contribution₹1,90,848
Interest Credited (8.25%)+₹16,39,344
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How to Project Your EPF Retirement Corpus
- Enter your current basic monthly salary + dearness allowance (DA).
- Input your current age and your target retirement age (default is 58).
- Optionally add your current EPF balance and average yearly salary increment percentage.
- Check the final estimated retirement corpus and review the yearly projections ledger.