EPF (Provident Fund) Calculator
Simulate Employee & Employer 12% PF contributions with EPFO's 8.25% interest rate and EPS wage ceiling.
EPF & EPS Corpus Calculator
Official EPFO Interest Rate (8.25% p.a.) with EPS Pension ceiling (₹15,000)
Your 12% deduction and employer matching are calculated on this basic pay.
Average annual hike in basic pay across Indian IT & corporate sectors.
Official Ministry of Labour & Employment declared rate for FY 2024-2025 onwards.
₹3,07,38,831
Interest accounts for 65% of your final corpus
Employee Share (12%)
₹55,54,995
Deducted monthly from salary
Employer Share (EPF)
₹50,75,187
After ₹1,250/mo EPS deduction
Compounded Interest
₹2,01,08,649
Earned at 8.25% p.a.
Monthly EPS Pension
₹6,857/mo
Lifelong pension after age 58
Need help with PF transfer, Form 19/10C withdrawal, or UAN linking?
Digital Bharat Law's labor and compliance desk handles EPFO matters.
EPFO & Employee Provident Fund Specialist
Social Security & EPF Pension Schemes Advisor · Digital Bharat Law
Suggested Questions for this Tool:
Understanding EPF (Provident Fund) Calculator
The Employees' Provident Fund (EPF) is India's principal statutory retirement savings scheme administered by the Employees' Provident Fund Organisation (EPFO) under the EPF & MP Act, 1952.
Both employee and employer contribute 12% of the employee's Basic Salary + Dearness Allowance monthly. The government declares an annual statutory interest rate (8.25% p.a. for FY 2023–24 & FY 2024–25), compounded annually.
* Interest is calculated monthly on the running balance and credited annually to the EPF account.
Key Regulatory Rules & Thresholds (FY 2025–27)
Essential departmental provisions, tax brackets, and statutory compliance mandates.
Current Statutory Interest Rate
8.25% p.a.EPFO offers an 8.25% annual interest rate, backed sovereignly by the Government of India.
5-Year Tax-Free Withdrawal Rule
Tax ExemptionEPF withdrawals are 100% tax-free only after 5 years of continuous service across all employers (linked via UAN).
Section 192A TDS on Early Withdrawal
Sec 192A TDSWithdrawing EPF before 5 continuous years triggers 10% TDS under Section 192A (20% if no PAN furnished) if amount exceeds ₹50,000.
₹2.5 Lakh Annual Contribution Tax Threshold
Sec 10(11)/(12)Interest earned on employee EPF contribution exceeding ₹2,50,000 in a financial year is taxable as Income from Other Sources.
Frequently Asked Questions
Authoritative answers to common questions verified by our accredited legal & compliance panel.
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