Is EPF withdrawal taxable?

If you withdraw your EPF after 5 years of continuous service, the amount is usually tax-free. Withdrawals before 5 years might attract TDS unless certain conditions are met.

Can I contribute more than 12%?

Yes, you can contribute more through a Voluntary Provident Fund (VPF), though your employer is not required to match the increased contribution.

How is the employer contribution calculated?

The employer contributes 12% in total. Out of this, 8.33% goes to the Employees' Pension Scheme (EPS) and 3.67% goes to the EPF account.

EPF Calculator

Calculate your Employee Provident Fund (EPF) maturity amount with Employer/Employee contributions, salary growth, and interest compounding.

Investment Details

Calculate the growth of your retirement fund (EPF) based on current salary and years to retirement.

Monthly Basic Pay + DA

Current Age

Retirement Age

Current EPF Balance

Configuration

Expected Annual Salary Growth (%)

Maturity Amount

Total Contributions

Interest Earned

Projection over Years

Contribution Split

Investment Breakdown

Year	Age	Total Contribution	Interest Earned	Closing Balance
1	26
2	27
3	28
4	29
5	30
6	31
7	32
8	33
9	34
10	35
11	36
12	37
13	38
14	39
15	40
16	41
17	42
18	43
19	44
20	45
21	46
22	47
23	48
24	49
25	50
26	51
27	52
28	53
29	54
30	55
31	56
32	57
33	58

What is EPF?

The Employees' Provident Fund (EPF) is a government-backed retirement saving scheme in India. It is mandatory for salaried employees in organizations with 20 or more employees. Both the employee and the employer contribute a portion of the salary to this fund, which earns a fixed interest annually.

How is it calculated?

Contribution Split

Employee: 12% | Employer: 3.67% (EPF) + 8.33% (EPS)

The employer's 8.33% contribution to the Pension Scheme (EPS) is capped at a salary of ₹15,000 per month (max ₹1,250).

Interest Calculation

Interest is computed monthly but credited usually at the end of the financial year.

The maturity amount is reached through long-term compounding of both contributions and accumulated interest.

EPF FAQs

Explore Related Tools

Specially picked tools to help you plan better.

PPF Calculator

Calculate Public Provident Fund maturity.

NPS Calculator

Estimate your National Pension System returns.

Gratuity Calculator

Calculate your gratuity benefit amount.

EPF Calculator

Calculate your Employee Provident Fund (EPF) maturity amount with Employer/Employee contributions, salary growth, and interest compounding.

Investment Details

Calculate the growth of your retirement fund (EPF) based on current salary and years to retirement.

Monthly Basic Pay + DA

Current Age

Retirement Age

Current EPF Balance

Configuration

Expected Annual Salary Growth (%)

Maturity Amount

Total Contributions

Interest Earned

Projection over Years

Contribution Split

Investment Breakdown

Year	Age	Total Contribution	Interest Earned	Closing Balance
1	26
2	27
3	28
4	29
5	30
6	31
7	32
8	33
9	34
10	35
11	36
12	37
13	38
14	39
15	40
16	41
17	42
18	43
19	44
20	45
21	46
22	47
23	48
24	49
25	50
26	51
27	52
28	53
29	54
30	55
31	56
32	57
33	58

What is EPF?

How is it calculated?

Contribution Split

Employee: 12% | Employer: 3.67% (EPF) + 8.33% (EPS)

The employer's 8.33% contribution to the Pension Scheme (EPS) is capped at a salary of ₹15,000 per month (max ₹1,250).

Interest Calculation

Interest is computed monthly but credited usually at the end of the financial year.

The maturity amount is reached through long-term compounding of both contributions and accumulated interest.

EPF FAQs

Explore Related Tools

Specially picked tools to help you plan better.

PPF Calculator

Calculate Public Provident Fund maturity.

NPS Calculator

Estimate your National Pension System returns.

Gratuity Calculator

Calculate your gratuity benefit amount.

Year	Age	Total Contribution	Interest Earned	Closing Balance
1	26
2	27
3	28
4	29
5	30
6	31
7	32
8	33
9	34
10	35
11	36
12	37
13	38
14	39
15	40
16	41
17	42
18	43
19	44
20	45
21	46
22	47
23	48
24	49
25	50
26	51
27	52
28	53
29	54
30	55
31	56
32	57
33	58

Year	Age	Total Contribution	Interest Earned	Closing Balance
1	26
2	27
3	28
4	29
5	30
6	31
7	32
8	33
9	34
10	35
11	36
12	37
13	38
14	39
15	40
16	41
17	42
18	43
19	44
20	45
21	46
22	47
23	48
24	49
25	50
26	51
27	52
28	53
29	54
30	55
31	56
32	57
33	58

Year	Age	Total Contribution	Interest Earned	Closing Balance
1	26
2	27
3	28
4	29
5	30
6	31
7	32
8	33
9	34
10	35
11	36
12	37
13	38
14	39
15	40
16	41
17	42
18	43
19	44
20	45
21	46
22	47
23	48
24	49
25	50
26	51
27	52
28	53
29	54
30	55
31	56
32	57
33	58

Year	Age	Total Contribution	Interest Earned	Closing Balance
1	26
2	27
3	28
4	29
5	30
6	31
7	32
8	33
9	34
10	35
11	36
12	37
13	38
14	39
15	40
16	41
17	42
18	43
19	44
20	45
21	46
22	47
23	48
24	49
25	50
26	51
27	52
28	53
29	54
30	55
31	56
32	57
33	58

Year	Age	Total Contribution	Interest Earned	Closing Balance
1	26
2	27
3	28
4	29
5	30
6	31
7	32
8	33
9	34
10	35
11	36
12	37
13	38
14	39
15	40
16	41
17	42
18	43
19	44
20	45
21	46
22	47
23	48
24	49
25	50
26	51
27	52
28	53
29	54
30	55
31	56
32	57
33	58

Year	Age	Total Contribution	Interest Earned	Closing Balance
1	26
2	27
3	28
4	29
5	30
6	31
7	32
8	33
9	34
10	35
11	36
12	37
13	38
14	39
15	40
16	41
17	42
18	43
19	44
20	45
21	46
22	47
23	48
24	49
25	50
26	51
27	52
28	53
29	54
30	55
31	56
32	57
33	58