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EPF / PF Calculator India 2026

Calculate your Employee Provident Fund contributions, retirement corpus, EPS pension and Voluntary PF (VPF). See year-wise corpus growth instantly.

✓ EPF + EPS + VPF ✓ Retirement Corpus ✓ Monthly EPS Pension ✓ Year-wise Growth
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EPF Calculator — Employee Provident Fund 2026

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Retirement Corpus
₹0
Monthly EPS Pension
₹0
Monthly PF Credit
₹0
Monthly Contribution Breakdown
Employee EPF (12% of Basic+DA)—
Employer EPF (3.67%)—
Employer EPS (8.33%, max ₹1,250)—
Total Monthly PF Credit—
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📅 Corpus Growth (Year-wise)
YearAgeAnnual ContributionInterest EarnedTotal Corpus
🏛️ EPFO 2026 Rates
🔒 No Data Saved
✅ EEE Tax Benefit
⚡ Live Updates
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Businesses Served
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Average Rating

EPF Contribution Breakdown

Employee Contribution12% of Basic+DAGoes to EPF
Employer — EPF3.67% of Basic+DAGoes to EPF
Employer — EPS8.33% (max ₹1,250/mo)Goes to Pension
Total Monthly PF Credit15.67% of Basic+DAEPF Account
VPF Tip: You can voluntarily contribute up to 100% of Basic+DA as VPF. It earns the same 8.25% tax-free interest and qualifies under Section 80C (combined limit ₹1.5L with EPF).

EPF Withdrawal Rules 2026

PurposeMinimum ServiceAmount Withdrawable
Medical treatmentAny timeUp to 6 months' basic salary
Marriage7 yearsUp to 50% of employee's share
Home purchase/construction5 yearsUp to 90% of total EPF balance
Home loan repayment10 yearsUp to 90% of total EPF balance
Education (self/children)7 yearsUp to 50% of employee's share
Unemployment (2+ months)Any timeFull withdrawal allowed
Retirement (age 58+)Any timeFull corpus — tax-free after 5 yrs
★★★★★
"Shocked to see my EPF will be ₹1.8 crore at retirement. Never realised the power of the employer contribution over 30 years. This calculator is eye-opening."
Arun Menon — Bank officer, Thrissur
★★★★★
"Used the VPF feature — adding 6% extra VPF grows my corpus by ₹45L more. Immediately instructed my HR to increase VPF contribution."
Sneha Tiwari — Software engineer, Noida
★★★★☆
"Clear breakdown of EPF vs EPS. Finally understood why my EPS pension will only be ₹3,500/month despite 25 years of service — the ₹15K cap is very limiting."
Ramesh Rao — Factory supervisor, Coimbatore

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Frequently Asked Questions

What is EPF and who is eligible?+
EPF is mandatory for all companies with 20+ employees. Employees earning up to ₹15,000 basic salary must contribute. Those earning above ₹15,000 can voluntarily contribute. Both employee and employer contribute 12% of basic+DA. The scheme is administered by EPFO.
What is the current EPF interest rate?+
The EPF interest rate for FY 2024-25 is 8.25% per annum, announced by EPFO and ratified by the Ministry of Finance. This applies to both EPF and VPF. Interest is credited annually in March to your UAN account. Historically, EPF has maintained 8–9% interest rates.
What is the difference between EPF and EPS?+
EPF: Savings account with 12% employee + 3.67% employer contribution. Earns interest, withdrawable at retirement as lumpsum. EPS: Pension scheme with 8.33% employer contribution (capped at ₹1,250/month). Provides monthly pension of ₹1,000–₹7,500 post retirement, but cannot be withdrawn as lumpsum.
Can I withdraw EPF before retirement?+
Yes, partial withdrawals allowed for: home purchase (5yr+ service), marriage/education (7yr+), medical treatment (any time). Full withdrawal after 2 months unemployment. Tax-free only after 5 continuous years of service — withdrawing earlier attracts TDS + income tax.
Is VPF better than PPF for high-income earners?+
VPF earns the same rate as EPF (8.25%) with no separate contribution limit (subject to overall 80C cap of ₹1.5L with PPF). PPF offers ₹1.5L/year limit and has a 15-year lock-in. VPF has no explicit lock-in (employer-managed). For salaried employees wanting higher safe returns, VPF is often preferred over additional PPF.
How do I check my EPF balance?+
Check EPF balance via: (1) EPFO portal (epfindia.gov.in) using UAN login; (2) SMS "EPFOHO UAN ENG" to 7738299899; (3) Missed call to 011-22901406 from UAN-registered mobile; (4) UMANG app. Your UAN (Universal Account Number) is found on your salary slip or from your HR department.

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EPF Quick Reference

Employee12%
Employer EPF3.67%
Employer EPS8.33%
EPF Interest8.25% p.a.
Registration Req.20+ employees

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