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GST

Employee Provident Fund

EPF Calculator

Project your EPF corpus at retirement from your basic pay and employee + employer contributions.

Formula

Combined monthly contribution = Basic × (your % + employer's EPF %), compounded using the SIP future-value formula at the EPF rate declared each year.

About this calculator

EPF interest is declared annually by the EPFO and is tax-free on withdrawal after 5 years of continuous service. Only the 3.67% EPF share of the employer's 12% is counted here — the other 8.33% funds your separate EPS pension.