CTCinHand

EPF calculator

Every month 12% of your basic goes into EPF and your employer matches it, except that 8.33% of basic (capped at ₹1,250) is diverted to the pension scheme. This projection compounds the rest at the current 8.25% rate and grows your basic with each raise.

Your EPF
Basic plus DA on your payslip
From the EPFO passbook, if you have one
28
58
8.25%
EPFO declared 8.25% for FY 2025-26
5%
EPF corpus at 58
₹2,20,76,435
₹72,03,936 contributed, ₹1,48,72,499 earned as interest over 30 years. A further ₹4,49,820 goes to the pension scheme (EPS) for a monthly pension.
Your contributions
₹38,26,878
Employer to EPF
₹33,77,058
Interest earned
₹1,48,72,499
Diverted to EPS
₹4,49,820
Balance against contributions
  • EPF balance₹2,20,76,435
  • Contributions so far₹72,03,932

At 58 age (end of the projection)

Year by year
AgeBasic/moYouEmployerInterestBalance
29₹40,000₹57,600₹42,606₹4,478₹1,04,684
30₹42,000₹60,480₹45,486₹13,372₹2,24,022
31₹44,100₹63,504₹48,510₹23,487₹3,59,523
32₹46,305₹66,679₹51,685₹34,950₹5,12,838
33₹48,620₹70,013₹55,019₹47,896₹6,85,766
34₹51,051₹73,514₹58,520₹62,476₹8,80,276
35₹53,604₹77,190₹62,196₹78,852₹10,98,513
36₹56,284₹81,049₹66,055₹97,201₹13,42,818
37₹59,098₹85,101₹70,107₹1,17,718₹16,15,745
38₹62,053₹89,357₹74,363₹1,40,615₹19,20,079
39₹65,156₹93,824₹78,830₹1,66,122₹22,58,856
40₹68,414₹98,516₹83,522₹1,94,490₹26,35,383
41₹71,834₹1,03,441₹88,447₹2,25,994₹30,53,266
42₹75,426₹1,08,613₹93,619₹2,60,932₹35,16,430
43₹79,197₹1,14,044₹99,050₹2,99,628₹40,29,153
44₹83,157₹1,19,746₹1,04,752₹3,42,437₹45,96,089
45₹87,315₹1,25,734₹1,10,740₹3,89,745₹52,22,306
46₹91,681₹1,32,020₹1,17,026₹4,41,970₹59,13,322
47₹96,265₹1,38,621₹1,23,627₹4,99,568₹66,75,139
48₹1,01,078₹1,45,552₹1,30,558₹5,63,038₹75,14,288
49₹1,06,132₹1,52,830₹1,37,836₹6,32,918₹84,37,871
50₹1,11,439₹1,60,471₹1,45,477₹7,09,796₹94,53,617
51₹1,17,010₹1,68,495₹1,53,501₹7,94,313₹1,05,69,925
52₹1,22,861₹1,76,920₹1,61,926₹8,87,161₹1,17,95,932
53₹1,29,004₹1,85,766₹1,70,772₹9,89,097₹1,31,41,567
54₹1,35,454₹1,95,054₹1,80,060₹11,00,942₹1,46,17,623
55₹1,42,227₹2,04,807₹1,89,813₹12,23,588₹1,62,35,831
56₹1,49,338₹2,15,047₹2,00,053₹13,58,006₹1,80,08,937
57₹1,56,805₹2,25,799₹2,10,805₹15,05,248₹1,99,50,790
58₹1,64,645₹2,37,089₹2,22,095₹16,66,460₹2,20,76,435

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