EPF Calculator

Calculate your Employee Provident Fund (EPF) accumulation at retirement, including salary increments.

Updated on July 2026

Indian Financial Tool: This calculator is tailored specifically to standard regulations, tax slabs, and savings schemes of India (e.g. PPF, EPF, NPS, or India Income Tax slabs) and computes outputs strictly in Indian Rupees (INR).

Calculator Inputs

Monthly Basic Salary + DA

₹

Expected Annual Salary Increment

EPF Interest Rate (p.a.)

Years Until Retirement

Financial Disclaimer

Information provided on WealthMaze is for educational purposes only. All return calculations are estimates based on user inputs. Not financial advice.

Calculation Output & Analysis

Employee Contribution

₹52.64 L

Employer Contribution

₹16.10 L

Total Accumulated EPF

₹1.64 Cr

Visualizing Your Growth

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Benefits of Employee Provident Fund Savings

Our EPF Calculator projects your retirement corpus. EPF is a mandatory savings scheme for salaried employees in India. Both the employee and the employer contribute 12% of the employee's basic salary plus dearness allowance monthly. While the entire 12% of the employee contribution goes to the EPF, the employer's 12% contribution is split: 8.33% goes to the Employee Pension Scheme (EPS) and 3.67% goes to the EPF.

Frequently Asked Questions (FAQ)

Is EPF interest tax-free?

Yes, EPF interest is tax-free as long as the employee's contribution does not exceed ₹2.5 Lakhs per year. If it exceeds ₹2.5 Lakhs, interest earned on the excess contribution is taxable.

How do I calculate EPF maturity corpus?

Enter your current basic salary, expected annual salary increment, interest rate, and years to retirement into our EPF calculator to estimate your final retirement corpus.

Live Employee Contribution₹52,63,628