How does this EPF calculator work?

It adds the monthly EPF credit you enter, increases that credit annually by your chosen step-up and applies the entered annual interest assumption over the selected period.

What should I enter as the monthly EPF contribution?

Use the total amount actually credited to EPF in your passbook. Do not automatically add the full employer contribution because an applicable portion may go to EPS.

Is the EPF interest rate guaranteed for the next 20 years?

No. EPF interest is declared for the applicable period and can change. Edit the assumption and test more than one rate.

Will this match my EPFO passbook exactly?

No. It is a planning estimate. Actual credit timing, eligible wages, EPS allocation, withdrawals, service records and EPFO interest-crediting rules affect the balance.

Free EPF planning tool

EPF calculator for retirement planning.

Estimate how your current EPF balance and future monthly credits could grow—while keeping every assumption visible and editable.

Enter your EPF assumptions

Use the total amount actually reaching EPF each month after any EPS allocation. Check your passbook rather than assuming the full employer contribution is credited to EPF.

Current EPF balance

Total monthly amount credited

Annual contribution increase

Assumed annual interest rate

Years until retirement

Educational estimate only. The entered rate is an assumption—not a guaranteed future EPF rate. Contribution rules, wage ceilings, EPS allocation, service history, withdrawals and declared interest can change the outcome.

EPF is one part of the retirement plan

After estimating EPF, combine it with PPF, NPS and other goal-linked assets only once. Then calculate the spending corpus and contribution gap for the household.

Compare EPF, PPF and NPS Calculate the retirement gap

EPF Calculator FAQs

Free EPF planning tool

EPF calculator for retirement planning.

Estimate how your current EPF balance and future monthly credits could grow—while keeping every assumption visible and editable.

Enter your EPF assumptions

Use the total amount actually reaching EPF each month after any EPS allocation. Check your passbook rather than assuming the full employer contribution is credited to EPF.

Current EPF balance

Total monthly amount credited

Annual contribution increase

Assumed annual interest rate

Years until retirement

EPF is one part of the retirement plan

After estimating EPF, combine it with PPF, NPS and other goal-linked assets only once. Then calculate the spending corpus and contribution gap for the household.

Compare EPF, PPF and NPS Calculate the retirement gap