EPF Calculator: Find Out Your PF Balance at Retirement
Estimate your provident fund balance using your basic pay, age, and annual pay increases at an 8.25% EPF interest rate for 2025-26. Basic pay of ₹25,000 a month from age 25, rising 5% a year, grows to about ₹1.77 crore by 58.
EPF balance at retirement
—
| Balance now | |
|---|---|
| Your contributions | |
| Employer's EPF contributions | |
| Interest | |
| EPF balance | |
| Paid into the pension scheme (EPS), not in the balance |
Year by year
| Age | Basic a month | You + employer | Interest | Balance |
|---|---|---|---|---|
A projection, not a promise: the interest rate is declared each year, and your pay may rise faster or slower. Withdrawals and job gaps lower the balance.
Example: ₹25,000 basic pay from age 25 to 58
Basic pay + DA ₹25,000 monthly, increasing by 5% annually; PF is 12% of the complete basic pay from both you and your employer; annual interest at 8.25%; no initial balance.
| After year | Basic a month | Your PF a year | Employer EPF a year | Interest that year | Balance |
|---|---|---|---|---|---|
| 1 (age 26) | ₹25,000 | ₹36,000 | ₹21,000 | ₹2,547 | ₹59,547 |
| 5 (age 30) | ₹30,388 | ₹43,764 | ₹28,764 | ₹27,492 | ₹3,93,965 |
| 10 (age 35) | ₹38,783 | ₹55,848 | ₹40,848 | ₹81,513 | ₹11,13,869 |
| 15 (age 40) | ₹49,498 | ₹71,280 | ₹56,280 | ₹1,75,061 | ₹23,55,480 |
| 20 (age 45) | ₹63,174 | ₹90,972 | ₹75,972 | ₹3,31,019 | ₹44,19,887 |
| 25 (age 50) | ₹80,627 | ₹1,16,100 | ₹1,01,100 | ₹5,84,414 | ₹77,67,770 |
| 30 (age 55) | ₹1,02,903 | ₹1,48,176 | ₹1,33,176 | ₹9,88,598 | ₹1,31,00,559 |
| 33 (age 58) | ₹1,19,124 | ₹1,71,540 | ₹1,56,540 | ₹13,35,645 | ₹1,76,75,656 |
At age 58: ₹1,76,75,656 (₹1.77 crore). Your contributions total ₹28,82,316, the employer's EPF contributions are ₹23,87,316, and interest earned is ₹1,24,06,024. An additional ₹4,95,000 was contributed to the pension scheme.
How it's calculated
- You contribute 12% of your basic pay + DA (or of the first ₹15,000) to the EPF each month.
- Your employer matches with a 12% contribution. Of this, 8.33% of basic pay up to ₹15,000 (a maximum of ₹1,250 monthly) is directed to the Employees' Pension Scheme, and the remaining amount goes into your EPF.
- Interest is calculated at the yearly rate ÷ 12 on the month's end balance after contributions. The interest for the year is added annually, compounding once a year.
- Pay increases by the percentage you set once a year. Contributions and interest each year are rounded to the nearest rupee.
The EPF rate for FY 2025-26 stands at 8.25%, announced in July 2026. If you joined EPF after 1 September 2014 with a basic pay above ₹15,000, you may not be in the pension scheme; in this case, your employer's full contribution goes to EPF, increasing your balance beyond the shown amount.
Plan Your Retirement Savings
Our EPF Calculator is handy when you start considering job offers. Before you accept an offer, enter your basic pay and other details to see how your provident fund might grow. This glimpse into your future savings helps you think about the long-term benefits of the salary package.
When you've landed a job through Daily Hirer, keep using the tool to track your savings as you plan your next career move. It's a simple way to check how each pay rise affects your retirement balance. Regularly revisiting your projected EPF balance can support your ongoing career planning.