EPF Calculator
Employee and employer EPF contributions aren't both a flat 12% into the same pot — see the real split (employer's share partly funds your pension, not your EPF) and what it grows to.
Your numbers
₹/mo
years
%/yr
Declared annually by EPFO — recently around 8.25%/yr.
Result — with the workings shown
EPF corpus
₹36.16 L
after 20 years
Monthly contribution
₹5,950.50
₹3,600.00 you + ₹2,350.50 employer
Interest earned
₹21.88 L
How this is worked out
Both sides contribute 12% of basic+DA, but they don't both land in the same pot: you put in ₹3,600.00/mo (the full 12%), while your employer's 12% splits — only ₹2,350.50/mo joins your EPF, and ₹1,249.50/mo funds your EPS pension separately (8.33% of basic+DA, capped at the ₹15,000/mo EPS wage ceiling — so it stops growing even as your basic climbs past that). That combined ₹5,950.50/mo, compounding at 8.3%/yr for 20 years, grows to ₹36.16 L.
Your + employer contributions · ₹14,28,120Interest earned · ₹21,87,762
This is your EPF balance only — it doesn't include the separate EPS pension you'll also be entitled to, which is calculated on a different formula tied to your pensionable salary and service length, not a lump sum you can project the same way.
Terms used on this page
- EPF
- Employee Provident Fund — a mandatory retirement savings scheme for salaried employees at covered establishments, jointly funded by you and your employer.
- EPS
- Employee Pension Scheme — 8.33% of your employer's 12% contribution goes here instead of your EPF account, funding a separate pension. It's capped at 8.33% of a ₹15,000/mo ceiling, though, not 8.33% of your actual basic+DA — so above ₹15,000, more than 3.67% of your employer's share ends up in your EPF, not less.