Find out how much your Employee Provident Fund will grow by the time you retire at 58. Includes both employee and employer contributions with compound interest.
EPF rate: 8.25% (FY 2025-26) | Retirement age: 58 | Both employee (12%) + employer (12%) = 24% of Basic (capped at ₹15,000)
Last updated: April 14, 2026
EPF is the most powerful retirement tool most Indians ignore. Your employer deposits 12% of your basic salary into your PF account every month, and you contribute another 12%. This 24% combined contribution earns 8.25% compound interest — higher than most FDs and completely tax-free at withdrawal after 5 years.
The magic of EPF is time. A 25-year-old earning ₹30,000 basic salary with 5% annual raises will accumulate over ₹1 crore in PF by age 58. Most of that (60-70%) comes from interest, not contributions. Starting 10 years later at 35 cuts the corpus by more than half.
PF is calculated on Basic Salary + Dearness Allowance (DA). For most private sector employees, the statutory limit is ₹15,000 — meaning PF is calculated on ₹15,000 even if your basic is higher. However, many companies voluntarily calculate PF on the full basic. Check your salary slip to see which applies to you. This calculator uses the ₹15,000 cap as default.
| Year | Rate |
|---|---|
| FY 2025-26 | 8.25% |
| FY 2024-25 | 8.25% |
| FY 2023-24 | 8.25% |
| FY 2022-23 | 8.15% |
| FY 2021-22 | 8.10% |
| FY 2020-21 | 8.50% |
Related: Salary Calculator | EPF Withdrawal Rules | PPF Calculator | NPS Guide