EPF Calculator
What your PF builds to, and where the employer’s 12% actually goes — because not all of it reaches your EPF.
Your numbers
Nothing you type here leaves your device as you work. Saving is the only thing that sends it anywhere, and only when you ask.
₹30 thousand
Your assumption about your own career, not our forecast.
Extra contribution above the statutory 12%.
Rather than on the ₹15,000 statutory ceiling.
My scenarios (0/10)
Snapshots of your inputs, so you can flip between them — “20 years at 9%” against “15 years at 9.5%”. Stored in this browser only, no account needed.
Fill in a few things
Still needed: annual salary growth you assume.
We leave rate assumptions blank on purpose. A pre-filled number would read as our prediction, and nobody can predict a return. Put in whatever you think is realistic — then change it and watch how far the answer moves.
Questions people actually ask
- Where does my employer’s PF contribution go?
- Not all of it goes to your EPF. Of their 12%, 8.33% of wages (capped at the ₹15,000 statutory ceiling, so ₹1,250 a month) is diverted to the Employees’ Pension Scheme. Only the remainder joins your EPF balance — which is why the passbook never matches the payslip.
- Should I withdraw my PF when I change jobs?
- Withdrawing resets the compounding and breaks your continuous service record for the pension. Transferring keeps both. We are not telling you what to do with your money — but the two options have very different long-run arithmetic, and this page shows it.
Where these numbers come from
Every rate this tool uses, its source, and the date a human last checked it against that source.
- Union Budget 2026-27; slab structure unchanged from FY 2025-26 · checked 2026-04-05
- Income-tax Act — standard deduction for salaried taxpayers, new regime · checked 2026-04-05
Salaried taxpayers and pensioners only. Not available against business or freelance income.
- Rebate under s.87A, new regime · checked 2026-04-05
Applies to total income AFTER the standard deduction, which is why a salary of ₹12.75 lakh can still pay nil tax.
- Rebate under s.87A, new regime · checked 2026-04-05
- Surcharge rates, new regime. The 37% band does not apply under the new regime. · checked 2026-04-05
- Deduction against family pension, new regime · checked 2026-04-05
- Old regime slabs, unchanged since FY 2014-15 · checked 2026-04-05
- Standard deduction for salaried taxpayers, old regime · checked 2026-04-05
- Rebate under s.87A, old regime · checked 2026-04-05
- Rebate under s.87A, old regime · checked 2026-04-05
- Surcharge rates, old regime · checked 2026-04-05
- Basic exemption limit, resident senior citizen, old regime · checked 2026-04-05
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Understand what the number means
A figure on its own decides nothing. These explain what is being calculated and what changes it.
Course
EPF, NPS and the retirement machine
Where 24% of your basic pay goes every month, why EPS takes a slice, what a UAN is really for, and why withdrawing at a job change costs more than the money.
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Your first payslip, line by line
Basic, HRA, PF, professional tax, TDS: what each line on the slip does, which of them you can still influence, and which were settled before you signed.
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Your first payslip, line by line
Basic, HRA, special allowance, employer PF, professional tax, TDS. What each line is, which ones you can influence, and why the total never matches your CTC.
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Changing jobs? What withdrawing your PF costs
Withdrawing resets the compounding and breaks the service record that decides your pension — and before five years it is usually taxed. Transferring does not.