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“We don't tell what to pick, we tell how to pick”

EPF Calculator (Employee Provident Fund)

Simulate your EPF retirement corpus accumulation including basic salary raises and employee/employer contributions.

💡 Motto: We don't tell what to pick, we tell how to pick.

Salary & EPF Settings

Monthly Basic Salary + DA
₹
Employee Share Rate
%
*Standard mandatory contribution is 12%.
Expected Annual Appraisal Raise
%
Yrs
Yrs
Current EPF Balance
₹
Current EPF Interest Rate

8.25% p.a.

*Interest rates are reviewed and set yearly by the EPFO Board.
Expected Inflation Rate
%
Total Contributions

₹1,66,31,413

Emp: ₹85,63,207Emplr: ₹80,68,207
Nominal EPF Corpus

₹5,41,32,242

Interest: +₹3,74,00,828
Real Corpus Value (Today's Power)

₹1,05,17,925

Purchasing power at retirement in 33 years
⚠️ The Long-Term Retirement Illusion:Your future EPF retirement pool will accumulate to ₹5,41,32,242 on paper. However, due to an annual inflation of 5.09% over 33 years, its true purchasing power will feel like ₹1,05,17,925in today's money. Make sure your retirement target covers this gap!

Retirement Corpus Accumulation

EPF (Employee Provident Fund) Regulations & Structure

How EPF Contributions are Split

EPF is a mandatory retirement program for salaried workers in India earning basic wages. The contribution is split as follows:

  • Employee Contribution: Exactly 12% of basic salary + dearness allowance (DA) goes directly into the EPF account.
  • Employer Contribution: 12% of basic + DA is contributed. However:
    • 8.33% is routed to the EPS (Employee Pension Scheme) to fund post-retirement monthly pensions. This contribution is statutorily capped at ₹1,250 per month (8.33% of a ₹15,000 basic salary ceiling).
    • The remaining 3.67% (plus any contribution on basic salaries above ₹15,000) is routed directly into the EPF account.

Why Inflation Adjusted EPF is Crucial

EPF compounds over highly extended timelines (typically 25 to 40 years). Over these multi-decade spans, general prices will rise dramatically.

An EPF statement showing a projected retirement corpus of ₹2 Crores may seem vast, but with an inflation rate of 5%, that ₹2 Crores will purchase only what about ₹30 Lakhs does today.

Adjusting your EPF projections for inflation allows you to assess your actual retirement security and evaluate if you need to complement it with equity index fund investments.