EPF Maturity Calculator
Estimate your PF balance at retirement
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Current balance
₹ 0Your contribution
₹ 0Voluntary PF
₹ 0Employer EPF (excl. EPS)
₹ 0Interest earned
₹ 0Year-wise breakdown
| Year | Age | Salary (₹) | Employee (₹) | Employer EPF (₹) | VPF (₹) | Total paid in (₹) | Interest (₹) | Balance (₹) |
|---|
This is an estimate. EPFO declares the actual interest rate each year, and 8.33% of the employer share goes to the pension fund (EPS), so it is not part of this balance.
EPF Maturity Calculator: User Guide
What this calculator does
It estimates how much your Employee Provident Fund (EPF) balance could be when you retire. You enter your salary, age and expected interest rate, and it shows:
- your estimated balance at retirement
- where that balance comes from: your contributions, your employer's, voluntary PF and interest
- a year-by-year table, which you can download as Excel (CSV) or PDF
The results update as you type. There is no Calculate button.
Before you start
Keep these handy:
- your current EPF balance (from your EPF passbook on the EPFO member portal)
- your basic salary plus dearness allowance (DA), not your gross salary
- how much you expect your salary to rise each year
Step by step
1. Current EPF balance (₹)
The amount in your account today. Enter 0 if you are new to EPF.
2. Basic monthly salary (₹)
Basic pay plus DA, per month. PF is calculated on wages up to ₹25,000 a month (the ceiling from 17 September 2026). If you earn more, the calculator still uses ₹25,000.
3. Yearly salary increase (%)
Your expected annual raise, for example 8. Enter 0 if you expect no increase. Once your salary passes ₹25,000, further raises no longer change your PF.
4. Voluntary PF (₹ per month)
Extra money you put in each month on top of the 12%. VPF earns the same interest as EPF.
5. Current age and retirement age
Retirement age can be set from 50 to 70, and 58 is the default.
6. Expected interest rate (%)
The default is 8.25%, the rate EPFO declared for FY 2025-26. EPFO sets the rate each year, so change this if a new rate is announced or if you want to test a lower one.
7. "I am not an EPS member" (checkbox)
Normally, 12% of your wage from your employer is split: 8.33% to the pension fund (EPS) and 3.67% to your PF account. Tick this box if your employer's whole 12% goes to your PF account and none to the pension fund. Your passbook shows where your employer's share goes. If you are not sure, leave the box unticked.
Reading the results
- Estimated balance at retirement: the main figure, shown with the number of years and the rate used.
- Colour bar: the share of your final balance that comes from each source.
- Five tiles: current balance, your contribution (12% of PF wage), voluntary PF, employer EPF, and interest earned.
- Year-wise table: for each year, it shows your age, salary, each contribution, the interest earned that year and the balance at year end. The pinned Total row shows the totals for the whole period.
Worked example
A person aged 25 with a ₹25,000 basic salary, no existing balance, no salary increase, no VPF, retiring at 58 with 8.25% interest:
| EPS member | Not an EPS member | |
|---|---|---|
| Your contribution (33 years) | ₹11,88,000 | ₹11,88,000 |
| Employer EPF | ₹3,63,330 | ₹11,88,000 |
| Estimated balance at 58 | ₹74,99,149 | ₹1,14,85,614 |
This shows how much the EPS setting matters.
Downloads
- Download Excel (CSV): the year-wise table as a file for Excel or Google Sheets.
- Download PDF: a summary and the full table. The first click may take a moment because the PDF tool loads then. If it can't load, your browser's print window opens, where you can choose Save as PDF.
How the estimate is calculated
- Each month: your contribution is 12% of PF wage, and your employer's is 3.67% (or 12% if you tick "not an EPS member"). PF wage is your basic salary, capped at ₹25,000.
- Interest is worked out monthly on your running balance, as EPFO does, and added at the end of each year.
- Your salary rises once a year by the percentage you enter.
Limits of this estimate
- It assumes the ₹25,000 ceiling and the interest rate stay the same for every year. If either goes up, your real balance will be higher.
- It does not model withdrawals. Under the EPF Scheme 2026, partial withdrawals while you are working are limited to 75% of the balance, with 25% kept back. Any money you take out will lower your final balance.
- It does not include your employer's voluntary contributions on salary above ₹25,000. If you pay extra yourself on salary above the ceiling, you can enter that amount as VPF.
- It does not calculate tax on interest or withdrawals.
- Admin and EDLI charges are not part of your PF balance and are not included.
- The EPS pension is separate and is not shown here.
Tips
- Compare the result at 7%, 8.25% and 9% to see how sensitive it is.
- Try a small VPF amount, such as ₹1,000 a month, to see how much it adds over decades.
- Check the estimate against your passbook once a year and update your balance.
- Test "not an EPS member" on and off if you are unsure which applies.
Frequently Asked Questions
Is the result exact?
No. It is an estimate for planning. Real interest rates, salary changes and withdrawals will change the outcome.
My salary is more than ₹25,000. Why doesn't it change the result?
PF is mandatory only on wages up to ₹25,000. Extra salary doesn't change the figures unless you add voluntary contributions.
What happens to my balance if I change jobs?
Your account follows you through your UAN. Keep your UAN, and update the balance and salary here after you move.
The results don't appear, or I see a yellow error message.
Refresh the page. If the message stays, tell us what it says through the contact page.
Need Help?
For official EPF information:
- Visit: EPFO Official Website
- Check your balance: EPF Passbook & Claim Status
- Call: EPFO helpline 1800-118-005
Disclaimer: This calculator gives estimates for planning only. For decisions about your own account, check EPFO circulars or speak to your HR/payroll team or a financial adviser.
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