EPF Corpus Calculator

Estimate your EPF balance at retirement using current EPF balance, PF wage policy, salary growth, contribution rates, and interest assumptions.

Tax year 2026 - Updated June 2026

EPF corpus inputs

Current age

years

Retirement age

years

Current EPF balance

INR

Basic salary

monthly

Dearness allowance

monthly

PF wage policy

Employee PF rate

Employer PF rate

Annual salary growth

EPF interest rate

Estimated EPF corpus at retirement

₹4,93,94,469

Based on 30 years of employee EPF plus employer EPF contributions, with salary growth of 8% and EPF interest of 8.25%.

Employee contribution

₹81,56,400

Employer EPF contribution

₹77,06,604

Interest earned

₹3,30,31,465

EPS amount shown separately

₹4,50,000

Total EPF contribution

₹1,58,63,004

Current balance

₹5,00,000

PF wage policy

full

EPF corpus growth chart

Year-by-year estimate of EPF contributions versus projected EPF balance.

Projected EPF balanceEPF contributionsFinal: ₹4,93,94,469

Last 5 years projection

Year	Age	PF wage	EPF contribution	Interest	Corpus
Year 26	56	₹3,42,424	₹9,71,184	₹24,53,005	₹3,15,30,529
Year 27	57	₹3,69,818	₹10,50,084	₹27,50,048	₹3,53,30,660
Year 28	58	₹3,99,403	₹11,35,284	₹30,79,594	₹3,95,45,538
Year 29	59	₹4,31,355	₹12,27,312	₹34,44,994	₹4,42,17,844
Year 30	60	₹4,65,864	₹13,26,696	₹38,49,929	₹4,93,94,469

Formula used

Salary for PF = basic salary + dearness allowance.
PF wage is capped at Rs 15,000/month, full basic + DA, or the custom PF wage entered by the user.
Employee EPF contribution = PF wage x employee PF rate.
Employer EPS share is estimated as 8.33% of PF wage, capped to the Rs 15,000 wage ceiling.
Employer EPF contribution = employer total PF contribution - employer EPS share.
EPF corpus grows using employee EPF + employer EPF contributions; EPS is shown separately and is not added to the EPF corpus balance.
Salary is increased once per projection year using the entered annual salary growth rate.
Interest is estimated monthly using annual EPF interest rate / 12.

Quick answers

EPF Corpus Calculator FAQs

How is EPF corpus at retirement estimated?

The calculator projects current EPF balance plus future employee and employer EPF contributions, then applies the expected EPF interest rate over time.

Is EPS included in EPF corpus?

No. EPS is shown separately where relevant. It is not added to the EPF corpus balance estimate.

Does salary growth affect EPF corpus?

Yes. If PF wage grows with salary, future monthly EPF contributions can increase, which may increase the estimated retirement corpus.

Is EPF interest guaranteed?

EPF interest is declared periodically and can change. The calculator uses the rate you enter as a planning assumption.

Does this include EPF withdrawals or transfers?

No. It does not include partial withdrawals, job-transfer timing, inactive account rules, tax rules, or claim settlement details.

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Guide

EPF Corpus Calculator Guide

Understand EPF corpus, employer EPS, salary growth, and interest assumptions.

Assumptions

Designed for India-style EPF corpus planning.
Employee EPF and employer EPF shares are added to the corpus estimate.
Employer EPS share is shown separately and is not added to EPF corpus balance.
Salary is increased annually using the entered growth rate.
Actual payroll, EPF interest credit, EPS eligibility, withdrawals, transfers, and tax rules can vary.

Disclaimer

The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.

Year

Age

PF wage

EPF contribution

Interest

Corpus

Year 26

₹3,42,424

₹9,71,184

₹24,53,005

₹3,15,30,529

Year 27

₹3,69,818

₹10,50,084

₹27,50,048

₹3,53,30,660

Year 28

₹3,99,403

₹11,35,284

₹30,79,594

₹3,95,45,538

Year 29

₹4,31,355

₹12,27,312

₹34,44,994

₹4,42,17,844

Year 30

₹4,65,864

₹13,26,696

₹38,49,929

₹4,93,94,469

Formula used

Salary for PF = basic salary + dearness allowance.

PF wage is capped at Rs 15,000/month, full basic + DA, or the custom PF wage entered by the user.

Employee EPF contribution = PF wage x employee PF rate.

Employer EPS share is estimated as 8.33% of PF wage, capped to the Rs 15,000 wage ceiling.

Employer EPF contribution = employer total PF contribution - employer EPS share.

EPF corpus grows using employee EPF + employer EPF contributions; EPS is shown separately and is not added to the EPF corpus balance.

Salary is increased once per projection year using the entered annual salary growth rate.

Interest is estimated monthly using annual EPF interest rate / 12.

Assumptions

Designed for India-style EPF corpus planning.

Employee EPF and employer EPF shares are added to the corpus estimate.

Employer EPS share is shown separately and is not added to EPF corpus balance.

Salary is increased annually using the entered growth rate.

Actual payroll, EPF interest credit, EPS eligibility, withdrawals, transfers, and tax rules can vary.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.