MarketPathAcademy

EPF (Provident Fund)

Your Employees' Provident Fund balance at retirement, with employer contribution and EPS pension.

What you enter

  • Monthly basic salary + DA
  • Your age
  • Retirement age
  • Current EPF balance
  • Your contribution
  • Yearly salary increase
  • EPF interest rate

How this is calculated

  • Monthly: employee = basic × your %; employer to EPF = 12% of basic − EPS (8.33% of basic, capped at ₹15,000).
  • Interest is calculated monthly on the running balance at rate ÷ 12 and credited at the end of each year.
  • EPS pension ≈ min(basic, ₹15,000) × service years ÷ 70.

More in this category

◷ Retirement corpus✺ FIRE (financial independence)⇣ Safe withdrawal rate▦ NPS (National Pension System)◫ 401(k) / employer-matched plan✓ Gratuity

These calculators show illustrative outcomes only. Returns are not guaranteed. Tax rules and rates change; verify them before acting. Nothing here is financial, tax or legal advice.