PF calculator (EPF) · free What will your PF be worth at retirement?
Each month 12% of your basic pay plus DA goes into your EPF, and your employer adds 12%, of which 8.33% (on wages up to ₹15,000) goes to the pension scheme instead. Enter your basic pay and age to see your monthly PF, how the balance grows at 8.25% interest, and what you'll have at 58.
Updated · rules for FY 2026-27 (AY 2027-28)
- Free, always
- No sign-up
- Stays in your browser
Your details
Your payslip shows which one: ₹1,800 a month means it's capped.
PF balance at 58
₹1,83,67,794
1.84 crore rupees, in 30 years
Every month, today
Where the balance comes from
Year by year
| Age | Added | Interest | Balance |
|---|---|---|---|
| 29 | ₹71,400 | +₹3,191 | ₹74,591 |
| 30 | ₹76,584 | +₹9,576 | ₹1,60,751 |
| 31 | ₹82,080 | +₹16,930 | ₹2,59,761 |
| 32 | ₹87,912 | +₹25,359 | ₹3,73,031 |
| 33 | ₹94,080 | +₹34,979 | ₹5,02,091 |
| 34 | ₹1,00,632 | +₹45,919 | ₹6,48,642 |
| 35 | ₹1,07,568 | +₹58,320 | ₹8,14,530 |
| 36 | ₹1,14,912 | +₹72,334 | ₹10,01,776 |
Assumes the interest rate and your raises stay the same every year. EPFO declares the rate each year.
How to use the PF Calculator
- Enter your monthly basic pay plus DA, your age and the age you plan to retire at.
- Add your PF balance today, if you already have one.
- Choose whether PF is worked out on your full basic or on the ₹15,000 wage ceiling.
- Set your expected yearly raise, the interest rate and any voluntary PF.
- See your and your employer's monthly share and the balance at retirement, year by year.
Worked example
You're 28, your basic pay plus DA is ₹30,000 a month, PF is worked out on your full basic, you expect a 6% raise each year and plan to retire at 58. These are the figures the calculator opens with.
| Your share (12%) | ₹3,600 |
| Employer's 12% | ₹3,600 |
| of which to the pension scheme (8.33% of ₹15,000) | − ₹1,250 |
| Employer's share into your EPF | ₹2,350 |
| Into your EPF each month | ₹5,950 |
In the first year that's ₹71,400 of contributions and ₹3,191 of interest, a balance of ₹74,591. By year 10 (age 38) the balance is ₹14,49,480. Over 30 years:
| Your contributions | ₹34,15,332 |
| Employer's contributions to EPF | ₹29,65,332 |
| Interest at 8.25% | ₹1,19,87,130 |
| Balance at 58 | ₹1,83,67,794 |
Separately, ₹4,50,000 goes to the pension scheme over those years. It isn't part of the balance above; it pays a monthly pension from 58.
How it's calculated
Every month, 12% of your basic pay (plus DA) goes into your EPF account, and your employer adds another 12%. But not all of your employer's share lands in your PF.
- Your 12% goes entirely into your EPF balance, plus any voluntary PF (VPF) you choose.
- Your employer's 12% is split: 8.33% of your wages, up to ₹15,000 (so at most ₹1,250 a month), goes to the pension scheme (EPS). The rest goes into your EPF balance.
- Interest of 8.25% a year (declared for FY 2025-26) is worked out on each month's closing balance and added once a year, at the end of the year.
- Raises: your basic grows by the yearly raise you enter, so contributions grow with it.
EPF each month = your 12% + (employer's 12% − pension share)
Interest for the year = sum of the 12 monthly balances × rate ÷ 12
What about the pension?
The EPS money isn't part of your PF balance and doesn't earn this interest. Instead, it gives you a monthly pension from 58 if you've completed at least 10 years of service.
Rules used: contributions under the Employees' Provident Funds Scheme, 1952 (12% each from employee and employer); the pension share under the Employees' Pension Scheme, 1995 (8.33% of wages up to ₹15,000); and EPFO's declared interest rate of 8.25% for FY 2025-26. The calculator assumes that rate continues and leaves out EDLI and admin charges, which the employer pays on top.
Questions