PF calculator

Estimate your provident fund balance at retirement from your salary, pay rise and the interest rate.

Assumptions. You contribute 12% of PF wages. The employer also pays 12%, of which 8.33% of wages (up to ₹25,000) goes to the pension scheme (EPS), and the rest to your EPF. Interest is worked out each month on the running balance and added once a year at the rate you enter; the declared rate for FY 2025-26 is reported as 8.25%. The pension (EPS) part is not included in the balance. This is an estimate, not an EPFO statement. Rules last reviewed 9 November 2026. See how we calculate for sources.

What goes into your PF

Each month your employer deducts 12% of your PF wage from your salary and adds its own 12%. Part of the employer share goes to the Employees' Pension Scheme, so only the rest builds your EPF balance. The balance earns interest at a rate EPFO declares each year.

Why the wage ceiling matters

PF is mandatory on wages up to a ceiling, now ₹25,000 a month from 17 September 2026. Many employers calculate PF on the capped wage; others calculate on the full basic. The option above lets you test both.

Reading the result

The balance shown is an estimate of what could be in your EPF account at the age you choose, if pay rises at the rate you enter and the interest rate stays the same.

Frequently asked questions

What is the current EPF interest rate?

The rate reported for FY 2025-26 is 8.25%. EPFO sets it each year, so change it in the box if the rate is different when you read this.

Is my employer's PF share fully added to my EPF?

No. 8.33% of wages, up to the wage ceiling, goes to the pension scheme (EPS). Only the remainder goes to your EPF account.

Can I withdraw PF before retirement?

Partial and full withdrawals are allowed in certain cases, such as job loss or specific needs, under EPFO rules. This calculator only projects the balance.

Is PF interest taxable?

Interest on your own contributions is generally tax free up to a yearly contribution limit; above that, interest can be taxable. Check the current rules for your case.

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