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EPF Calculator (8.25%)
Free EPF calculator: your provident fund at retirement at 8.25%, how your and your employer's 12% is split between EPF and EPS, and an estimate of your EPS pension.
EPF at retirement
₹1,31,16,657
₹1.31 Crore
💡 Good to know
- EPF interest for 2025-26 is 8.25% (set by EPFO, ratified by the government).
- *Employer pays 12% too, but 8.33% of wages up to ₹15,000 (max ₹1,250) goes to the pension scheme (EPS), the rest to your EPF.
- EPS pension needs 10 years of service: pensionable salary (max ₹15,000) × years ÷ 70.
- EPF interest is tax-free unless your own contribution is over ₹2.5 lakh a year.
Rules last checked: October 2026. Assumes the same rate every year and contributions on the full basic. 🔒 Calculated on your device.
✅ Rules last checked:
📚 Official sources: EPFO
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
What is the EPF interest rate now?+
8.25% a year. EPFO's board sets the rate each year and the government approves it.
How much of my employer's 12% goes to EPF?+
8.33% of wages up to ₹15,000 (max ₹1,250 a month) goes to the pension scheme (EPS); the rest goes to your EPF. On ₹30,000 basic: ₹1,250 to EPS and ₹2,350 to EPF.
Is EPF interest taxable?+
It's tax-free unless your own contribution is over ₹2.5 lakh a year (₹5 lakh if your employer doesn't contribute). Interest on the extra is taxable.