EPF Calculator
Estimate your Employee Provident Fund corpus at retirement
EPF Corpus at Retirement
About EPF (Employee Provident Fund)
- Employee Contribution: 12% of Basic + DA goes to EPF
- Employer Contribution: 3.67% to EPF, 8.33% to EPS (Pension Scheme)
- Current Interest Rate: 8.25% for FY 2024-25
- Tax Benefit: Contribution up to ₹1.5 lakh qualifies for 80C deduction
- Taxability: Interest on contribution above ₹2.5 lakh is taxable
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Frequently Asked Questions
How can EPF Calculator help with retirement planning?
EPF Calculator helps you estimate corpus needs, future income, retirement savings growth, or withdrawal sustainability based on your assumptions.
Should inflation be considered in retirement planning?
Yes. Inflation can materially reduce purchasing power over long periods, so retirement planning should always consider future living costs.
Can I test different contribution or return assumptions?
Yes. Adjust the inputs to compare how savings rate, expected return, or retirement duration changes your outcome.
Is this a substitute for full retirement advice?
No. It is a planning aid, but final retirement decisions should consider taxes, healthcare, risk tolerance, and cash flow needs in detail.