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EPF calculator
Your provident fund grows quietly every month. See what it will be worth when you retire.
Where the money comes from
You contribute 12% of basic plus DA. Your employer also contributes 12%, but up to 8.33% of wages capped at ₹15,000, a maximum of ₹1,250 a month, goes to the Employees’ Pension Scheme; the rest goes to your EPF. Interest, 8.25% for FY 2025-26, is calculated monthly and credited once a year.
A ₹30,000 basic at age 28, rising 6% a year, builds about ₹1.84 crore by 58 at 8.25%.
Questions
Is EPF interest tax-free?
Yes, on your own contributions up to ₹2.5 lakh a year (₹5 lakh where the employer does not contribute). Interest on contributions above that is taxable.
Can I withdraw before retirement?
Partial withdrawals are allowed for specific needs such as a home, medical treatment, education or marriage, subject to service conditions. Withdrawals within five years of service are taxable.
Should I move to VPF?
The Voluntary Provident Fund earns the same rate and safety. It suits investors who want a debt allocation, within the tax-free contribution limit.