🏢 EPF Calculator
Project your Employees' Provident Fund corpus at retirement. You contribute 12% of basic+DA and your employer 3.67% (the balance 8.33% funds EPS pension). Interest — 8.25% for FY 2025-26, unchanged three years running — accrues monthly and credits annually, tax-free within limits.
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How it's calculated
Monthly: contribution = basic × (12% + 3.67%); interest accrues at 8.25% ÷ 12 on the running balance and is credited at year-end. Basic salary steps up annually by your assumed increment.
Frequently asked questions
What is the current EPF interest rate?
8.25% for FY 2025-26 — ratified in June 2026 and being credited to accounts by mid-July 2026. The rate is set annually by the EPFO board.
Is EPF tax-free?
Employer contributions and interest are tax-free within limits; interest on your own contributions above ₹2.5 lakh a year is taxable. Withdrawals after 5 years of service are tax-free.
Why is the employer share only 3.67%?
The employer also pays 12%, but 8.33% of it (on basic up to ₹15,000) goes to the EPS pension scheme; only the balance 3.67% lands in your EPF account.
