Salary tools · FY 2026-27

EPF (provident fund) calculator

Every month, 12% of your PF wages goes into your EPF from your salary, and your employer adds the same — part of the employer share goes to the EPS pension instead. Project the pile to age 58.

Monthly basic + DA (₹)

Your current age

Current EPF balance (₹)

Expected yearly salary growth (%)

EPF interest rate (% per year)

8.25% is the most recently declared EPF rate; it is set by the EPFO each year.

PF basis

Your monthly contribution now

Employer's monthly EPF part now (rest goes to EPS pension)

Total you + employer will add by 58

Projected EPF balance at age 58

How this projection works

Employee contributes 12% of PF wages; the employer matches 12%, of which 8.33% of wages (up to the ₹25,000 ceiling) goes to the EPS pension fund and the rest to your EPF.
The wage ceiling is ₹25,000/month since 17 September 2026 (Gazette S.O. 5109(E)). On the capped basis, contributions stop growing once your basic crosses the ceiling.
Interest is credited monthly in this projection at the rate you set. This is an estimate, not a promise — actual EPFO rates and your real increments will differ.

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Please note: estimates only — not tax advice. Tax rules: FY 2026-27. See our methodology page for formulas and sources.