EPF Calculator — your PF balance at retirement
Enter your basic salary, age and PF balance today. See what your Employees’ Provident Fund could grow to by retirement — what you put in, what your employer put in, and the interest.
What makes up your PF
- You put in (+ today’s balance)₹27,22,99218%
- Your employer put in₹21,03,16014%
- Interest₹1,01,31,94968%
🎈 In today’s money at 6% inflation
Spendly adds up your banks, investments, loans and cards into one net worth, with the change since last month.
Track my net worth →How it is calculated
Each month 12% of your basic (+ DA) goes to EPF from your salary. Your employer also pays 12%, but 8.33% of it — on at most ₹15,000 of salary, so at most ₹1,250 a month — goes to the pension scheme (EPS), not your PF balance. The rest of the employer’s 12% joins your EPF.
EPFO works interest out each month on the running balance and credits it once a year. The rate for 2025-26 is 8.25%. Salary is assumed to rise every year by the percentage you set, and so do contributions.
Monthly into EPF = 12% of basic (you) + (12% of basic − EPS) (employer) EPS = 8.33% × min(basic, ₹15,000) Interest = Σ monthly balance × rate ÷ 12, credited at the year end
Questions
What is the EPF interest rate for 2025-26?
8.25% a year, the same as the two years before. EPFO asked offices to credit it in July 2026.
Why is my employer’s share smaller than mine?
Because 8.33% of your employer’s 12% (on up to ₹15,000 of salary) goes to the Employees’ Pension Scheme, which pays a pension later, rather than to your PF balance.
Is EPF tax-free?
Withdrawals after five years of continuous service are tax-free. Interest on your own contributions above ₹2.5 lakh a year is taxable.
Can I add EPF to my net worth in Spendly?
Yes. Add PF as an investment in Spendly and it counts in your net worth with everything else you own.
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