Corpus Genesis
Compound interest drives your retirement wealth.
Did you know? You can increase your contribution via VPF. It offers the same safe 8.25% interest and EEE tax benefits with no upper limit!
Explore VPF BenefitsTo get an accurate EPF maturity projection, enter your current EPF balance from your UAN passbook along with your current basic salary. This calculator compounds your existing balance at the current EPF interest rate (8.25% for FY 2025-26) alongside your future contributions, giving you a complete picture of your retirement corpus — including how much your existing balance will grow and how much your ongoing contributions will add.
Did you know? You can increase your contribution to the Employee Provident Fund via Voluntary Provident Fund (VPF). It offers the same safe 8.25% interest rate and EEE tax benefits as EPF, but with no upper limit on your portion of the contribution. It's the ultimate 'hidden' debt fund in India!
The Employee Provident Fund (EPF) is the primary retirement benefit scheme for all salaried employees in India, managed by the EPFO. It offers guaranteed, risk-free returns (currently 8.25% for FY 2025-26) and operates on the powerful principle of matching contributions from your employer.
Use this EPF Calculator to estimate your final retirement corpus based on your Basic Salary + DA, accounting for the complex split between the Employee Provident Fund and the Employee Pension Scheme (EPS).
By law, 12% of your Basic Salary + Dearness Allowance (DA) is deducted every month and sent to the EPFO. Your employer matches this 12%, but their contribution is split into two different buckets.
Arjun (Age 28) has a starting Basic Salary of ₹25,000/month. He expects a conservative 5% annual salary hike over his 30-year career.
Monthly Breakdown (Year 1):
• Arjun's Contribution (12%): ₹3,000
• Employer to EPF (3.67%): ₹917.5
• Employer to EPS (8.33%): ₹2,082.5
• Total Monthly joining EPF Corpus: ₹3,917.5
Fast Forward 30 Years:
Due to annual salary hikes, his EPF contribution grows every year. Compounded at 8.25%, his total EPF corpus at age 58 will reach ~₹1.15 Crores.
Understanding government-backed fixed income options:
| Feature | EPF (Mandatory) | VPF (Voluntary) | PPF (Public) |
|---|---|---|---|
| Eligibility | Salaried only | Salaried holding EPF | Any Indian citizen |
| Interest Rate | 8.25% (FY25-26) | 8.25% (FY25-26) | 7.1% (FY25-26) |
| Contribution Limit | 12% of Basic | Up to 100% of Basic | ₹1.5 Lakh / year |
| Tax Benefit (80C) | Yes (up to ₹1.5L) | Yes (up to ₹1.5L) | Yes (up to ₹1.5L) |
| Tax on Interest | Exempt | Taxable if contrib > ₹2.5L/yr | Fully Exempt (EEE) |
The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.
Verified Contributor
I verified this calculation against the **April 2026 Fiscal Cycle**. If you have questions about the logic, reach out via the Author Page.
Withdrawing your EPF before 5 years of continuous service makes the entire amount taxable. Additionally, 10% TDS is deducted if the amount exceeds ₹50,000.
Read Withdrawal RulesIf you have extra savings, consider Voluntary Provident Fund (VPF). It offers the same 8.25% sovereign guarantee and EEE tax benefits as EPF.
EPF vs VPF Guide