EPF Calculator: Your Retirement PF Balance
Estimate your provident fund balance based on your basic pay, age, and annual pay increases, using the 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 of ₹25,000 monthly, growing by 5% annually. Both you and your employer contribute 12% of total basic pay to the PF. The interest rate is 8.25% each year, with 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, your employer's EPF contributions are ₹23,87,316, and interest is ₹1,24,06,024. Additionally, ₹4,95,000 is contributed to the pension scheme.
How it's calculated
- You contribute 12% of your basic pay + DA (or the first ₹15,000) to EPF each month.
- Your employer matches this 12% contribution. Of this, 8.33% of basic pay up to ₹15,000 (maximum ₹1,250 monthly) is allocated to the Employees' Pension Scheme, and the rest is added to your EPF.
- Interest is based on the annual rate ÷ 12 and is applied to the balance at the end of each month, following that month's contributions. The total interest of the year is added at year's end, compounding annually.
- Pay increases occur once yearly by the percentage you specify. Contributions and each year's interest are rounded to the nearest rupee.
For FY 2025-26, the EPF rate is 8.25%, announced in July 2026. If you joined EPF after 1 September 2014 with a basic pay above ₹15,000, you might not be part of the pension scheme; in that case, your employer's entire contribution goes to EPF, making your balance higher than shown here.
Project Your Retirement PF Balance Easily
Considering a new job and curious about how your retirement savings will shape up? Use our EPF Calculator. Start by entering your basic pay, age, and expected yearly pay rise. The tool projects your provident fund balance at retirement, based on the EPF interest rate.
Once you have a clear picture from the calculator, return to Careerwood Jobs to focus on roles in IT and Technology. Whether you're eyeing opportunities in Bengaluru or Mumbai, your job search will be informed by what you now know about your financial future. Use this insight to explore and apply confidently.