EPF Calculator 2026: PF Balance at Retirement

EPF Calculator

Estimate your Provident Fund balance at retirement (8.25% interest, new ₹25,000 PF wage ceiling)

Monthly Basic Pay + DA (₹)PF is worked out on basic pay plus dearness allowance, not your full salary

PF Worked Out OnPF is compulsory on basic up to ₹25,000 a month (from 17 Sep 2026). Some employers use your full basic.

Member of the Pension Scheme (EPS)?Most employees are. Choose “No” if your payslip or passbook shows no EPS (pension) contribution – then all of your employer’s 12% goes to EPF.

Your Current Age

Retirement AgeEPF is paid out at 58; you can choose to keep contributing until 60

Yearly Salary Increase (%)

EPF Interest Rate (%)8.25% for FY 2025-26; the rate is declared every year

Voluntary PF (VPF, % of basic)Extra you choose to add on top of the 12%; it earns the same interest (0 if none)

Current EPF Balance (₹)Check your EPFO passbook or UMANG app; 0 if you’re just starting

EPF at Retirement

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Your Contributions

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Employer Contributions

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To your EPF account

Interest Earned

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Where your PF goes this month

Year-by-year breakdown

Age	Basic + DA a month	Added in the year	Interest	Balance at year end

How to Use the EPF Calculator

Enter your monthly basic pay plus DA from your payslip. PF is worked out on this, not on your full salary or CTC.
Choose how your employer works out PF. Most use your basic up to ₹25,000 a month. Some use your full basic – your payslip will show 12% of your full basic if so.
Add your current EPF balance from the EPFO passbook or the UMANG app, plus your age and expected salary increase.
Try adding VPF to see how much more you'd have by contributing a little extra each month.

How EPF Contributions Work in 2026

From 17 September 2026, the PF wage ceiling went up from ₹15,000 to ₹25,000 a month. PF is compulsory on your basic pay plus DA up to that limit. Here's how it splits for someone with a basic of ₹25,000 or more:

Contribution	Rate	Amount a month	Goes to
Your share	12%	₹3,000	Your EPF account
Employer's share	3.67%	₹917	Your EPF account
Employer's share	8.33%	₹2,083	Employees' Pension Scheme (EPS)

So only ₹3,917 of the ₹6,000 a month goes into your EPF balance. The EPS part builds a monthly pension instead, paid from age 58 if you complete at least 10 years of service. If your employer works out PF on your full basic, both your share and the employer's EPF share go up, but EPS stays at a maximum of ₹2,083.

Want to see how this affects your take-home pay? Try our Salary Calculator.

How EPF Interest Is Calculated

The EPF interest rate for FY 2025-26 is 8.25% a year. Interest is worked out every month on your running balance but credited to your account once a year, after the rate is declared. The calculator follows the same method and assumes your salary – and so your contributions – rise once a year.

Over a long career, interest usually makes up well over half of your final EPF balance. That's why leaving your PF untouched when you change jobs – and transferring it to your new employer through your UAN instead of withdrawing it – makes such a big difference.

Is EPF Tax-Free?

Your contributions: qualify for the ₹1.5 lakh Section 80C deduction under the old tax regime. There's no deduction under the new regime.
Interest: tax-free, except interest on your own contributions above ₹2.5 lakh a year (including VPF). The calculator shows a note if you cross this limit.
Employer contributions: tax-free, unless your employer's contributions to EPF, NPS and superannuation together exceed ₹7.5 lakh a year.
Withdrawal: tax-free after 5 years of continuous service (including service with previous employers, if you transferred your PF). Withdrawing earlier can be taxable.

Questions People Actually Ask Us

Should I put money in VPF? VPF earns the same interest as EPF, backed by the government, so it's a good option for the safe part of your savings – up to the ₹2.5 lakh a year tax-free limit. The money is locked in until you leave your job or retire, with limited partial withdrawals.

Is EPF enough for retirement? Usually not on its own, especially if your PF is worked out on ₹25,000 rather than your full basic. Check how much you'll need with our Retirement Planner, and consider adding equity through SIPs or NPS.

Should I count EPF as an investment? Yes – it's often the largest safe, fixed-income holding for salaried people. Add it to the Portfolio Analyzer to see your full mix of equity, debt and gold.

What happens to my EPF after I retire? You can withdraw it in full at 58. Don't leave it untouched for years after you stop working, as inactive accounts stop earning interest.

For everything else – UAN, transfers, partial withdrawals and the pension scheme – read our complete guide to EPF.

Disclaimer: This calculator is for educational purposes only. Results are estimates that assume today's rules and a constant interest rate; the actual rate is declared every year. It isn't financial advice. See our full Disclaimer.