# EPF Calculator 2026: PF Corpus at 8.25% With Yearly Table > EPF calculator at 8.25%: project your PF corpus at retirement with salary hikes, employer share after EPS, VPF and the INR 2.5 lakh tax rule. Source: https://trykosh.com/tools/epf-calculator Free tool - Government schemes # EPF calculator: provident fund corpus at retirement Project your Employees' Provident Fund balance at retirement, with yearly raises, the employer's split between EPF and EPS, and any voluntary PF you add. Rules checked 25 October 2026Free - no sign-upRuns in your browser EPF corpus at retirement INR 2,83,45,977 At 58, in 30 years - INR 2.83 crore Your contributions**INR 45,53,752** Employer's EPF share**INR 41,03,932** Interest earned**INR 1,93,88,294** Opening balance **INR 3,00,000**Your share **INR 45,53,752**Employer share **INR 41,03,932**Interest **INR 1,93,88,294** Year by year (monthly contributions in the first columns) Age You / month Employer EPF / month Interest that year Balance 29 INR 4,800 INR 3,551 INR 29,228 INR 4,29,434 30 INR 5,088 INR 3,839 INR 40,215 INR 5,76,767 31 INR 5,393 INR 4,144 INR 52,698 INR 7,43,909 32 INR 5,717 INR 4,467 INR 66,834 INR 9,32,954 33 INR 6,060 INR 4,810 INR 82,798 INR 11,46,195 34 INR 6,423 INR 5,174 INR 1,00,780 INR 13,86,145 35 INR 6,809 INR 5,559 INR 1,20,989 INR 16,55,554 36 INR 7,217 INR 5,968 INR 1,43,654 INR 19,57,432 37 INR 7,650 INR 6,401 INR 1,69,023 INR 22,95,073 38 INR 8,109 INR 6,860 INR 1,97,371 INR 26,72,078 39 INR 8,596 INR 7,347 INR 2,28,996 INR 30,92,385 40 INR 9,112 INR 7,862 INR 2,64,224 INR 35,60,299 41 INR 9,659 INR 8,409 INR 3,03,413 INR 40,80,524 42 INR 10,238 INR 8,989 INR 3,46,953 INR 46,58,196 43 INR 10,852 INR 9,603 INR 3,95,270 INR 52,98,929 44 INR 11,503 INR 10,254 INR 4,48,829 INR 60,08,847 45 INR 12,194 INR 10,944 INR 5,08,138 INR 67,94,640 46 INR 12,925 INR 11,676 INR 5,73,750 INR 76,63,603 47 INR 13,701 INR 12,451 INR 6,46,271 INR 86,23,700 48 INR 14,523 INR 13,273 INR 7,26,361 INR 96,83,616 49 INR 15,394 INR 14,145 INR 8,14,739 INR 1,08,52,823 50 INR 16,318 INR 15,068 INR 9,12,189 INR 1,21,41,648 51 INR 17,297 INR 16,047 INR 10,19,567 INR 1,35,61,348 52 INR 18,335 INR 17,085 INR 11,37,805 INR 1,51,24,194 53 INR 19,435 INR 18,185 INR 12,67,920 INR 1,68,43,558 54 INR 20,601 INR 19,351 INR 14,11,018 INR 1,87,34,005 55 INR 21,837 INR 20,588 INR 15,68,306 INR 2,08,11,406 56 INR 23,147 INR 21,898 INR 17,41,096 INR 2,30,93,042 57 INR 24,536 INR 23,287 INR 19,30,821 INR 2,55,97,735 58 INR 26,008 INR 24,759 INR 21,39,037 INR 2,83,45,977 Your employer also puts INR 1,250 a month into EPS (pension), which isn't part of this corpus: about INR 4,49,820 over 30 years. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh keeps your PPF, EPF, NPS and deposits in one view, with reminders before every deposit and maturity date. [Start free](/signup?via=tool-epf-calculator) ## How the EPF calculator works Every month you contribute 12% of your basic salary plus dearness allowance. Your employer also contributes 12%, but splits it: 8.33% of wages up to INR 15,000 (at most INR 1,250 a month) goes to the Employees' Pension Scheme, and the rest, 3.67% at the ceiling or more for higher salaries, goes to your EPF. Only the EPF part builds your corpus. Some employers calculate PF only on the INR 15,000 wage ceiling, so both shares are INR 1,800 a month. Others use your actual basic. Choose the option that matches your payslip. If you joined after September 2014 earning above INR 15,000, you may not be in EPS, in which case the full 12% from your employer goes to EPF. EPFO declares the interest rate each year; it is 8.25% for FY 2025-26. Interest is calculated monthly on the running balance and credited once a year. The calculator raises your basic every year by the hike you enter and compounds the balance until your retirement age. EPF is tax-free on withdrawal after 5 years of continuous service. But interest on your own contributions (including VPF) above INR 2.5 lakh a year is taxable each year. The calculator warns you if you cross that line. Monthly EPF credit = 12% of wage (you) + 12% of wage − 8.33% of min(wage, INR 15,000) (employer) Rate 8.25% (FY 2025-26), declared yearly by EPFO ## Worked example: Sameer, 35, adds VPF to boost his PF Sameer, a 35-year-old engineering manager in Pune, has INR 9 lakh in EPF and a INR 75,000 monthly basic. He contributes 12% (INR 9,000) plus INR 15,000 VPF, and his employer adds INR 7,751 to EPF after INR 1,250 goes to EPS. With 7% yearly raises and 8.25% interest, his EPF reaches about INR 4.26 crore at 58. His own contributions of INR 2.88 lakh this year exceed INR 2.5 lakh by INR 38,000, so interest on that slice is taxable. EPF corpus at retirement INR 4,26,26,719 At 58, in 23 years - INR 4.26 crore Your own contributions this year are about INR 2,88,000, which is INR 38,000 over the INR 2.5 lakh limit. Interest on the excess is taxable every year. Your contributions**INR 99,11,103** Employer's EPF share**INR 54,26,241** Interest earned**INR 2,63,89,375** Opening balance **INR 9,00,000**Your share **INR 99,11,103**Employer share **INR 54,26,241**Interest **INR 2,63,89,375** Your employer also puts INR 1,250 a month into EPS (pension), which isn't part of this corpus: about INR 3,44,862 over 23 years. [Load this example into the calculator ->](?age=35&basic=75000&raise=7&balance=900000&vpf=15000#calculator) ## Good to know - Withdrawals before 5 years of continuous service are taxable, and TDS applies above INR 50,000. Moving jobs doesn't break continuity if you transfer the account. - If there's no employer contribution (for example in some government funds), the tax-free contribution limit is INR 5 lakh instead of INR 2.5 lakh. - An account with no fresh contributions keeps earning interest until you turn 58, so when you change jobs, transfer it rather than withdraw. - The EPF rate is declared after the year ends and has varied between 8.1% and 8.65% over the past decade. Treat projections as illustrative. ## Frequently asked questions What is the EPF interest rate for FY 2025-26? 8.25%, as declared by EPFO. The rate is set each year and credited to accounts after the year closes. How much of my employer's 12% goes to EPF? Employers send 8.33% of wages, capped at INR 15,000 (INR 1,250 a month), to the pension scheme. The rest of their 12% goes to your EPF: INR 550 at a INR 15,000 wage, or INR 7,750 at a INR 75,000 basic if PF is on actual salary. Is EPF interest taxable? Only on your own contributions above INR 2.5 lakh a year. Interest on that excess is taxable every year. Withdrawals after 5 years of continuous service are tax-free. What is VPF and is it worth it? Voluntary Provident Fund lets you contribute more than 12% of basic to EPF, earning the same rate. It counts for 80C in the old regime, but your total own contributions above INR 2.5 lakh a year earn taxable interest. Can I withdraw EPF before retirement? Partial withdrawals are allowed for specific needs such as a house, education, marriage or illness, subject to service and amount limits. You can withdraw fully after two months of unemployment. ## Sources and assumptions - [EPFO](https://www.epfindia.gov.in/) - [Ministry of Labour and Employment](https://labour.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.