EPF Calculator 2026: Corpus and Interest at 8.25%

This free EPF calculator projects how much your EPF balance will grow to by retirement, year by year, with interest at the EPFO rate of 8.25%. It adds your 12% and the employer's EPF share after the pension (EPS) cut, your current balance and yearly salary increases, and checks the ₹2.5 lakh tax-free limit. To see how much PF is deducted from your salary each month, use the PF calculator.

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EPF Maturity Formula

Example: gross ₹60,000, Basic + DA ₹24,000. Half of gross is ₹30,000, so PF wages are ₹30,000 under the new labour codes. With PF capped at ₹25,000, you put in ₹3,000 and the employer ₹917 (₹2,083 goes to EPS), so ₹3,917 a month goes into EPF. Year 1 interest at 8.25% is ₹1,777. After 25 years at the same rate, the balance is about ₹37 lakh, of which about ₹25.2 lakh is interest.

EPF Corpus by Monthly Contribution and Years

At 8.25% interest, with no salary increase and no withdrawals:

Salary increases raise these figures when PF is paid on actual wages. When PF is capped at ₹25,000, your contribution stays at ₹3,917 a month however much your salary rises, so the calculator shows the same corpus with or without an increase.

Capped at ₹25,000 or on Actual Wages

The law requires PF on wages up to ₹25,000 (from 17 September 2026, S.O. 5109(E)). Many employers stop there; others pay on full PF wages, which builds a much bigger corpus: ₹7,517 a month instead of ₹3,917 on ₹40,000 wages. Choose the option your payslip shows. The calculator first takes 50% of your gross salary; if your Basic + DA is higher, it uses Basic + DA, as the Code on Social Security, 2020 requires. To set a salary structure that meets the 50% rule, use the salary breakup calculator. For the monthly deduction, the 50% wage rule, EDLI and admin charges, use the PF calculator; for the EDLI life cover payable to your family, the EDLI calculator.

EPF, EPS and VPF Explained

Some members are outside EPS, mainly those who joined EPF after 1 September 2014 with wages above the ceiling at the time. From 17 September 2026, those with wages up to ₹25,000 must be enrolled in EPS, as EPFO's FAQs explain. If you are still outside EPS, the employer's full 12% goes to EPF. Choose "No" under pension member in the calculator. To estimate pension, use the EPF pension calculator; to add savings over 12%, the VPF calculator.

EPF Interest Rate and How Interest Is Calculated

The 2025-26 rate was recommended by EPFO's Central Board of Trustees on 2 March 2026 (PIB release) and ratified by the Finance Ministry in June 2026.

Interest is calculated every month on the running balance at rate ÷ 1200 and credited once a year. A month's contribution earns interest from the following month. On ₹3,917 a month, year 1 interest is 3,917 × (0 + 1 + … + 11) × 8.25 ÷ 1200 = ₹1,777. EPS earns no interest.

Tax on EPF

Service with earlier employers counts towards the five years if you transferred your PF instead of withdrawing it. To compare your tax under the old and new regimes, use the income tax calculator.

EPF Withdrawal and Transfer

Under the EPF Scheme, 2026 (notified 29 June 2026), partial withdrawals fall under three heads: essential needs (illness, education, marriage), housing, and special circumstances. You need 12 months of membership, and 25% of the contributions credited to you must stay as a minimum balance. The full balance is paid on final settlement, such as retirement after 55, or after 12 months without covered employment.

When you change jobs, keep the same UAN and transfer your old PF to the new employer instead of withdrawing. Your service stays continuous for the 5-year tax rule and the 10-year pension rule.

How to Check Your EPF Balance

• e-Passbook: on the EPFO member passbook portal with your UAN.
• UMANG app: under EPFO services.
• SMS: send EPFOHO UAN to 7738299899 from your registered mobile.

Employers must deposit PF by the 15th of the following month. If your passbook shows gaps, raise it with HR first and then on the EPFO grievance portal. Enter your current passbook balance in the calculator to project from today.