EPF Calculator
Your EPF corpus with salary hikes.
- Contributions₹63.91 L
- Interest₹1.13 Cr
Simplified: 12% employee + 3.67% employer of basic, ignoring the wage ceiling. EPF rate is set yearly by EPFO.
How it works
Every month, 12% of your basic goes to EPF from your salary, plus ~3.67% from your employer (the rest of the employer's share funds EPS pension). Contributions compound monthly and your salary — and contributions — grow with yearly hikes.
Example
Starting at ₹30,000/month basic with 8% yearly hikes over a 30-year career, your EPF alone can cross ₹1 crore. Try your own salary above.
FAQs
What is my UAN?
Your Universal Account Number links all EPF accounts across jobs. Activate it on the EPFO portal to check balance, passbook and claims online.
When can I withdraw EPF?
Fully on retirement or 2 months of unemployment. Partial withdrawals are allowed for home, medical and education needs with conditions.
Is EPF interest taxable?
Interest is tax-free within limits; very large annual contributions above the threshold attract tax on the excess interest.