Calculators · Savings and retirement
EPF calculator
Your EPF balance at retirement at the 8.25% rate.
8.25% for FY 2025-26.
EPF balance at retirement
₹2.21 crore
At age 58
Your contributions
₹38.27 lakh · 17%
Employer's contributions
₹33.77 lakh · 15%
Interest
₹1.49 crore · 67%
- Your contributions
- ₹38,26,878
- Employer's contributions (EPF share)
- ₹33,77,058
- Interest earned
- ₹1,48,72,499
- Balance at retirement
- ₹2,20,76,435
Year by yearShow 30 rowsHide
| Age | You | Employer | Interest | Balance |
|---|---|---|---|---|
| 29 | ₹57,600 | ₹42,606 | ₹4,478 | ₹1.05 lakh |
| 30 | ₹60,480 | ₹45,486 | ₹13,372 | ₹2.24 lakh |
| 31 | ₹63,504 | ₹48,510 | ₹23,487 | ₹3.6 lakh |
| 32 | ₹66,679 | ₹51,685 | ₹34,950 | ₹5.13 lakh |
| 33 | ₹70,013 | ₹55,019 | ₹47,896 | ₹6.86 lakh |
| 34 | ₹73,514 | ₹58,520 | ₹62,476 | ₹8.8 lakh |
| 35 | ₹77,190 | ₹62,196 | ₹78,852 | ₹10.99 lakh |
| 36 | ₹81,049 | ₹66,055 | ₹97,201 | ₹13.43 lakh |
| 37 | ₹85,101 | ₹70,107 | ₹1,17,718 | ₹16.16 lakh |
| 38 | ₹89,357 | ₹74,363 | ₹1,40,615 | ₹19.2 lakh |
| 39 | ₹93,824 | ₹78,830 | ₹1,66,122 | ₹22.59 lakh |
| 40 | ₹98,516 | ₹83,522 | ₹1,94,490 | ₹26.35 lakh |
| 41 | ₹1,03,441 | ₹88,447 | ₹2,25,994 | ₹30.53 lakh |
| 42 | ₹1,08,613 | ₹93,619 | ₹2,60,932 | ₹35.16 lakh |
| 43 | ₹1,14,044 | ₹99,050 | ₹2,99,628 | ₹40.29 lakh |
| 44 | ₹1,19,746 | ₹1,04,752 | ₹3,42,437 | ₹45.96 lakh |
| 45 | ₹1,25,734 | ₹1,10,740 | ₹3,89,745 | ₹52.22 lakh |
| 46 | ₹1,32,020 | ₹1,17,026 | ₹4,41,970 | ₹59.13 lakh |
| 47 | ₹1,38,621 | ₹1,23,627 | ₹4,99,568 | ₹66.75 lakh |
| 48 | ₹1,45,552 | ₹1,30,558 | ₹5,63,038 | ₹75.14 lakh |
| 49 | ₹1,52,830 | ₹1,37,836 | ₹6,32,918 | ₹84.38 lakh |
| 50 | ₹1,60,471 | ₹1,45,477 | ₹7,09,796 | ₹94.54 lakh |
| 51 | ₹1,68,495 | ₹1,53,501 | ₹7,94,313 | ₹1.06 crore |
| 52 | ₹1,76,920 | ₹1,61,926 | ₹8,87,161 | ₹1.18 crore |
| 53 | ₹1,85,766 | ₹1,70,772 | ₹9,89,097 | ₹1.31 crore |
| 54 | ₹1,95,054 | ₹1,80,060 | ₹11,00,942 | ₹1.46 crore |
| 55 | ₹2,04,807 | ₹1,89,813 | ₹12,23,588 | ₹1.62 crore |
| 56 | ₹2,15,047 | ₹2,00,053 | ₹13,58,006 | ₹1.8 crore |
| 57 | ₹2,25,799 | ₹2,10,805 | ₹15,05,248 | ₹2 crore |
| 58 | ₹2,37,089 | ₹2,22,095 | ₹16,66,460 | ₹2.21 crore |
How it works
You contribute 12% of your basic pay and dearness allowance to EPF every month. Your employer also contributes 12%, but 8.33% of wages up to ₹15,000 (at most ₹1,250 a month) goes to the pension scheme (EPS) instead of your EPF account.
Interest is worked out monthly on the running balance and credited once a year. EPFO declared 8.25% for FY 2025-26, the same as the two years before.
Questions
What is the EPF interest rate?
8.25% for FY 2025-26, notified by EPFO in July 2026.
Can I contribute more than 12%?
Yes, through the Voluntary Provident Fund (VPF). It earns the same rate; interest on your own contributions above ₹2.5 lakh a year is taxable.
Is the employer's pension share included?
No. The EPS share builds a pension, not your EPF balance, so the calculator leaves it out of the corpus.
Results are estimates for planning, not tax, legal or investment advice. Rates and rules were checked on 4 October 2026; confirm the figures that apply to you with your bank, fund house or tax adviser.