Calculate your Employees' Provident Fund contributions and retirement corpus
EPF Calculation
Monthly Employee Contribution (12%)₹0
Monthly Employer EPF (3.67%)₹0
Monthly Employer EPS (8.33%)₹0
Total Monthly PF Credit₹0
Estimated PF Corpus at Retirement₹0
Estimated Monthly EPS Pension₹0
Corpus Growth (Year-wise)
Year
Age
Annual Contribution
Interest Earned
Total Corpus
About EPF
TheEmployees' Provident Fund (EPF)is a retirement benefit scheme where both employer and employee contribute a portion of the salary. This fund helps employees accumulate a substantial retirement corpus with the power of compound interest.
Contribution Breakdown:
Employee Contribution:12% of Basic + DA salary
Employer Contribution:12% of Basic + DA, split as:
3.67% → EPF Account
8.33% → Employee Pension Scheme (EPS), capped at ₹1,250/month
Total Monthly PF Credit:12% (employee) + 3.67% (employer EPF)
Withdrawal Milestones:
After 5 Years:Tax-free withdrawal available
After 10 Years:Eligible for EPS pension benefits
At Retirement:Full amount available
Frequently Asked Questions
When can I withdraw EPF?+
You can withdraw EPF after 5 years of service. After 10 years, you're eligible for EPS pension. Full withdrawal is available at retirement (age 58+). Partial withdrawals are also allowed for specific purposes like home purchase, education, or medical emergencies with restrictions.
What is EPS vs EPF?+
EPF (Employees' Provident Fund) is a savings account where 12% employee + 3.67% employer contributions go. EPS (Employee Pension Scheme) is a separate pension scheme where 8.33% of employer contribution goes, providing monthly pension after retirement. Both together form the complete provident fund benefit.
Can I withdraw PF if I change jobs?+
Yes, you can transfer your PF from one employer to another using the UAN (Universal Account Number). When changing jobs, your EPF account is automatically transferred to your new employer using your UAN. You do not need to withdraw; the account continues growing.
What is UAN?+
UAN (Universal Account Number) is a unique 12-digit identifier issued by EPFO to every employee. It remains same throughout your employment across different organizations. UAN helps consolidate your PF account and makes tracking and withdrawals easier. You can find your UAN on your salary slip or EPFO portal.
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