EPF Calculator

EPF rules worth knowing

• The interest rate for FY 2025-26 is 8.25%. EPFO declares it every year, so long projections are estimates.
• Withdrawals are tax-free after five years of continuous service, counting earlier jobs if you transferred your PF. Earlier withdrawals are taxable and may have TDS.
• Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if your employer doesn't contribute) is taxable every year.
• Under the EPF Scheme 2026, you can make partial withdrawals after 12 months of service, but at least 25% of your balance has to stay in the account.
• You can contribute more than 12% through the Voluntary Provident Fund (VPF), which earns the same interest rate.
• The pension (EPS) share is not part of your EPF balance. It pays a monthly pension from age 58 if you complete 10 years of service.
• When you change jobs, transfer your PF using your UAN instead of withdrawing it, so your service period and compounding carry on.

Worked example: ₹30,000 basic, age 25 to 58

1. Basic + DA of ₹30,000 a month: you contribute 12%, which is ₹3,600
2. Your employer's 12% is also ₹3,600: ₹2,082.50 goes to the pension scheme (8.33% of ₹25,000) and ₹1,517.50 to your EPF
3. So ₹5,117.50 goes into EPF each month in the first year, and interest at 8.25% adds ₹2,744 that year
4. With a 5% raise every year until 58, the balance grows to ₹2,00,87,943
5. Of that, you put in ₹34,58,755 and your employer ₹26,34,085. The remaining ₹1,39,95,103 is interest