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🏛️ PF / EPF Calculator India 2025
Calculate your EPF corpus at retirement, monthly contributions, and EPS monthly pension. Uses EPFO declared interest rate of 8.25% for FY 2024-25.
EPF corpus at retirement
Total EPF corpus
₹0
at age 58 after 28 years
Employee contribution (12%)₹0
Employer to EPF (3.67%)₹0
Employer to EPS (8.33%)₹0
VPF contribution₹0
Total invested₹0
Interest earned₹0
Total EPF corpus₹0
EPS pension: Pensionable Salary × Years ÷ 70. Max pensionable salary = ₹15,000
EPF contribution rules (EPFO)
| Component | Employee | Employer |
|---|
| EPF | 12% of Basic+DA | 3.67% |
| EPS | — | 8.33% (max ₹15K basic) |
| EDLI | — | 0.5% (max ₹75/mo) |
| Total | 12% | 12.5% |
VPF: Contribute above 12% to earn same 8.25% tax-free interest.
EPS eligibility: Min 10 years service. Full pension at 58.
Tax benefit: Employee contribution exempt under 80C (up to ₹1.5L). Interest tax-free if contribution ≤ ₹2.5L/yr.
PF / EPF — FAQs
What is the EPF interest rate for FY 2024-25? +
EPFO has declared 8.25% per annum for FY 2024-25. This is credited to member accounts at the end of the financial year. Our calculator uses this rate for projections.
Can I withdraw EPF before retirement? +
Yes. Partial withdrawals are allowed for medical emergencies, home purchase, marriage, education. Full withdrawal after 2 months of continuous unemployment. Tax applies if withdrawn before 5 years of continuous service.
What is VPF and is it worth it? +
VPF (Voluntary Provident Fund) lets you contribute more than the mandatory 12% to your EPF account, earning the same 8.25% tax-free interest. It's an excellent risk-free option, better than most FDs, and eligible for 80C deduction.
How much EPS pension will I get? +
EPS Pension = (Pensionable Salary × Pensionable Service) ÷ 70. Maximum pensionable salary is ₹15,000. So maximum pension = (15000 × 35) ÷ 70 = ₹7,500/month for 35 years of service.