EPF Calculator
Provident Fund Corpus at Retirement · 8.25% Interest · FY 2026-27
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EPF Details
Monthly Basic Salary + DA (₹)
Employee Contribution incl. VPF (%)
12%Current Age
Retirement Age
Annual Salary Increment (%)
8%EPF Interest Rate (% p.a.)
8.25%Current EPF Interest Rate & Wage Ceiling
8.25% p.a. for FY 2025-26 (notified Jul 2026). Employee contributes 12% of Basic+DA; employer contributes 12%, of which 8.33% of wages up to the ceiling goes to EPS (pension) and the rest to EPF. Wage ceiling raised to ₹25,000/month from 17 Sep 2026 (was ₹15,000), so EPS takes up to ₹2,083/month. Interest on employee contributions above ₹2.5L a year is taxable. Assumes the employer contributes on full Basic+DA.
EPF Corpus at Retirement
₹0
Over 30 years
Total Invested
₹0
Employee + Employer EPF (excl. EPS)
Interest Earned
₹0
Tax-free returns
EPF Breakdown
Years to Retirement0
Employee Contribution₹0
Employer EPF Contribution₹0
Total Principal Invested₹0
Interest Earned₹0
Total EPF Corpus₹0
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Frequently Asked Questions
The EPF interest rate for FY 2025-26 is 8.25% (approved by the EPFO board in March 2026 and notified in July 2026) — the same as FY 2023-24 and FY 2024-25. The rate for FY 2026-27 is declared after the year ends. Interest is calculated on the monthly running balance and credited once a year. EPF withdrawn after 5 continuous years of service is tax-free.
Of the employer's 12% contribution, 8.33% of wages up to the EPF wage ceiling goes to the Employees' Pension Scheme (EPS) and the rest goes to your EPF account. The ceiling was raised from ₹15,000 to ₹25,000 a month from 17 Sep 2026, so the EPS share is now up to about ₹2,083 a month (was ₹1,250). On a Basic+DA of ₹50,000, the employer puts ₹6,000 a month: ₹2,083 to EPS and ₹3,917 to EPF. The EPS builds a pension corpus (not available for withdrawal like EPF) while the EPF balance earns interest and is fully withdrawable.
Full EPF withdrawal (final settlement) is allowed on retirement at 58, on emigrating abroad, or after a period of unemployment (the October 2025 EPFO reform changed this waiting period — check the current rule on the EPFO portal). Partial withdrawals were simplified by the EPFO board in October 2025: 13 purposes were merged into 3 categories (essential needs such as illness, education and marriage; housing; special circumstances), the minimum service is 12 months for all, and up to 100% of the eligible balance can be withdrawn (education up to 10 times, marriage up to 5 times).
EPF withdrawal is completely tax-free if you have completed 5 continuous years of service. If withdrawn before 5 years, the entire amount (both employee and employer contributions + interest) becomes taxable. TDS (old Section 192A, now s.392 of the Income-tax Act 2025) is 10% if the amount is ₹50,000 or more and PAN is given, and 20% without PAN (since Finance Act 2023).
Yes, through Voluntary Provident Fund (VPF). You can contribute up to 100% of your Basic+DA to VPF, which earns the same EPF interest rate (8.25%). VPF contributions also qualify for the s.123 (old 80C) deduction up to ₹1.5L under the old regime. However, interest on employee contributions above ₹2.5L a year (₹5L if the employer does not contribute) is taxable.