EPF Maturity Calculator — corpus at retirement.

Contribution structure (statutory default):

Employee: 12% of (Basic + DA) — entirely to EPF
Employer: 12% of (Basic + DA) — split as 8.33% to EPS + 3.67% to EPF
Plus EDLI and admin charges by employer (not added to corpus)

This calculator tracks the EPF account only (not EPS). The 8.33% employer contribution to the Employees’ Pension Scheme is paid out as a monthly pension after retirement and is not part of the EPF corpus.

Wage ceiling note: the statutory wage ceiling for mandatory EPF coverage is ₹15,000 per month. Many employers extend coverage beyond this voluntarily; the calculator uses your actual basic + DA without applying the ceiling, which matches the typical white-collar arrangement.

Interest is compounded annually at the rate notified by EPFO. The rate for FY 2025-26 is 8.25%. Historical rates: FY 2022-23 was 8.15%, FY 2023-24 was 8.25%, FY 2024-25 was 8.25%. Future-year projections in this tool assume the rate you enter holds for the entire projection period.

Salary growth: the calculator assumes your basic + DA grows at the rate you enter, applied at the start of each year. Real-world salary trajectories step up at irregular intervals.

Tax treatment: EPF contributions are deductible under Section 80C (subject to the ₹1.5L cap, old regime). Interest is tax-exempt up to an aggregate annual contribution of ₹2.5L (employee + VPF combined); interest on contributions above ₹2.5L per FY is taxable per current rules.