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Calculate your EPF contribution and maturity amount.
TaxNext's PF calculator projects the maturity value of an Employees' Provident Fund (EPF) balance from monthly basic salary, age and years to retirement, compounding combined employee and employer contributions monthly. It's aimed at salaried employees planning long-term savings or checking how PF grows over a career.
The employee contributes 12% of PF wages. The employer also contributes 12%, but only part of it joins the EPF balance — 8.33 percentage points are diverted to the Employees' Pension Scheme (EPS), a separate account this calculator does not project. Only wages up to ₹15,000 a month count by default, unless the employee opts into contributing on full basic pay.
Over 35 years, compounding turns modest monthly contributions into a corpus many times the total amount actually paid in — the interest earned exceeds the contributions themselves.
Without opting in, PF contributions are computed only on the first ₹15,000 of basic salary regardless of actual basic pay — opting into paragraph 26(6) uses the full basic instead, which is why this example needs the flag set.
A single, uninterrupted contribution stream compounded monthly, as an indicative estimate. Real EPFO crediting happens annually rather than monthly, and this does not model job changes, contribution gaps, partial withdrawals, or the separate EPS pension this money also partly funds.
Figures are illustrative estimates, not financial advice.
Reviewed by VNAV & Associates, Chartered Accountants. Last updated: August 2026.
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