How much goes into EPF each month?

You contribute 12% of basic + DA. The employer adds 12% more, but 8.33% of that (up to the ₹15,000 wage ceiling) goes to the EPS pension scheme and only 3.67% to your EPF balance.

What is the current EPF interest rate?

8.25% for FY 2024-25, credited once a year. The rate is set annually by the EPFO.

EPF Calculator

Estimate your Employees' Provident Fund balance at retirement. Enter your basic + DA, current balance, expected salary growth and the EPF interest rate to see the corpus, total contributions and interest earned.

Monthly basic + DA (₹)

Current EPF balance (₹)

Current age

Retirement age

Annual salary growth (%)

EPF interest rate (%)

Employer share to EPF (%)3.67% normally — the other 8.33% goes to EPS pension. Use 12% if your employer puts it all in EPF.

EPF corpus at retirement

₹1,24,89,294

in 28 years

Total contributions

₹40,65,808

Interest earned

₹84,23,487

Employee contributes 12% of basic + DA; the employer adds another 12%, of which 8.33% (capped at the ₹15,000 wage ceiling) goes to the EPS pension scheme and 3.67% to EPF. This projects the EPF part only, with interest credited yearly at the rate you set (8.25% for FY 2024-25). It assumes no withdrawals and a steady salary rise. Nothing is uploaded.

FAQ

How much goes into EPF each month?: You contribute 12% of basic + DA. The employer adds 12% more, but 8.33% of that (up to the ₹15,000 wage ceiling) goes to the EPS pension scheme and only 3.67% to your EPF balance.
What is the current EPF interest rate?: 8.25% for FY 2024-25, credited once a year. The rate is set annually by the EPFO.

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