Calculate your Employee Provident Fund (EPF) maturity amount for FY 2025-26 with our free EPF Calculator, designed for Indian employees. Estimate your contributions, interest earned, and total savings instantly.
EPF is a secure retirement savings scheme with tax benefits under Section 80C (up to ₹1.5 lakh). Use our tool to plan your retirement and explore our PPF Calculator, Income Tax Calculator, or Retirement Planning Calculator for more financial insights.
Plan your retirement savings with our free EPF calculator for FY 2025-26, tailored for Indian employees.
Estimate your retirement corpus with an interest rate of 8.25%.
Get instant savings projections for informed financial planning.
EPF calculation simulates monthly contributions with continuous compounding, based on the approved annual interest rate. The monthly closing balance is used for the next month's interest calculation.
| Year | Employee Contribution (₹) | Employer Contribution (₹) | Interest Earned (₹) | Balance (₹) |
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An EPF Calculator is an online tool that calculates the Employee Provident Fund maturity amount based on monthly salary, contributions, interest rate, and tenure.
EPF interest is calculated monthly at 8.25% per annum (for FY 2025-26) and credited annually, using the formula: Interest = (Previous Balance + Monthly Contribution) * (Interest Rate / 12).
Employee contributions to EPF are eligible for tax deductions up to ₹1.5 lakh under Section 80C. Interest earned and maturity amounts are tax-exempt if withdrawn after 5 years of service.
The EPF interest rate for FY 2025-26 is 8.25% per annum, as per EPFO guidelines.
Employees in organizations with 20 or more employees, earning a basic salary up to ₹15,000 per month, are mandatorily covered under EPF. Others can opt in voluntarily.
Yes, EPF withdrawals are allowed for specific reasons like retirement, unemployment, or home purchase, subject to EPFO rules.
The employee and employer each contribute 12% of the basic salary. For salaries above ₹15,000, the employer’s EPS contribution is capped at ₹1,250/month.
EPF provides a secure, long-term savings option with guaranteed interest, ideal for retirement. Use our Retirement Planning Calculator for comprehensive planning.