EPF calculator · 8.25% (FY 2025-26)
EPF Calculator 2026: Employee Provident Fund Balance at 8.25%
By Pratik Bajoria, Chartered Accountant & NISM-certified Research Analyst · Updated 3 October 2026 · EPF rate 8.25% declared for FY 2025-26
The Employees' Provident Fund (EPF), run by EPFO, is the default retirement savings for most salaried Indians: you and your employer each contribute 12% of basic + DA every month, and the balance earns a rate declared every year. This EPF calculator projects your PF balance at retirement with salary hikes, the EPS split and EPFO's monthly-balance interest method. The latest declared rate is 8.25% for FY 2025-26, recommended by EPFO's Central Board of Trustees (PIB release) and credited under EPFO's order of 1 July 2026.
Estimated EPF balance at retirement
₹1.61 Cr
The widget assumes your employer contributes 12% on your full basic + DA. Many employers cap PF wages at ₹15,000 (₹1,800 a month each); if yours does, enter ₹15,000 as basic + DA for a closer estimate.
EPF contribution split (2026)
| Contribution | Rate | On ₹15,000 wage | On ₹30,000 wage |
|---|---|---|---|
| Employee → EPF | 12% of basic + DA | ₹1,800 | ₹3,600 |
| Employer → EPS (pension) | 8.33% of wage up to ₹15,000 | ₹1,250 | ₹1,250 |
| Employer → EPF | 12% minus EPS share | ₹550 | ₹2,350 |
| Total into EPF each month | ₹2,350 | ₹5,950 |
EPS builds a separate monthly pension (not included in the EPF balance). Employers also pay EDLI insurance and admin charges, which do not go into your account.
EPF interest formula
Yearly interest = (Σ month-end running balances × rate) ÷ 1,200 — credited once at year end
Example: ₹30,000 basic + DA, 12% each, 5% yearly hike, 8.25% interest for 30 years → about ₹1,60,92,843. Of this, your contributions are ₹28,70,158, the employer's EPF share ₹24,20,338, and interest ₹1,08,02,347 — interest is the largest component.
EPF balance table by salary and years of service
Estimated EPF balance (no opening balance, 12% contributions, 5% yearly hike, 8.25% constant — illustration):
| Starting basic + DA | 10 years | 20 years | 30 years | 35 years |
|---|---|---|---|---|
| ₹15,000 | ₹5,76,511 | ₹23,57,245 | ₹71,17,456 | ₹1,17,48,248 |
| ₹25,000 | ₹11,13,938 | ₹44,20,062 | ₹1,31,01,048 | ₹2,14,83,084 |
| ₹30,000 | ₹13,82,652 | ₹54,51,471 | ₹1,60,92,843 | ₹2,63,50,502 |
| ₹50,000 | ₹24,57,506 | ₹95,77,105 | ₹2,80,60,026 | ₹4,58,20,175 |
| ₹75,000 | ₹38,01,074 | ₹1,47,34,147 | ₹4,30,19,004 | ₹7,01,57,266 |
How salary growth and VPF change your EPF
₹30,000 starting basic + DA, 30 years, 8.25%:
| Scenario | Balance after 30 years | Your contribution |
|---|---|---|
| No salary increase | ₹88,48,033 | ₹12,96,000 |
| 5% yearly increase | ₹1,60,92,843 | ₹28,70,158 |
| 8% yearly increase | ₹2,42,37,077 | ₹48,93,835 |
| 5% increase + VPF (20% total) | ₹2,20,76,435 | ₹47,83,597 |
Chart: EPF balance vs contributions
EPF rate history (recent years)
| Financial year | EPF rate |
|---|---|
| 2025-26 | 8.25% |
| 2024-25 | 8.25% |
| 2023-24 | 8.25% |
| 2022-23 | 8.15% |
| 2021-22 | 8.10% |
| 2020-21 | 8.50% |
Rates as declared by EPFO for each year. Projections above use 8.25% for every future year, which may not hold.
Using EPF in your retirement plan
- Add your EPF projection to NPS and any gratuity to see how much of your retirement corpus is already covered.
- EPF is debt-like; long-term equity exposure usually comes from SIPs (SIP calculator).
- At retirement, plan withdrawals from the corpus with the SWP calculator and the retirement planning guide.
- Changing jobs? Transfer the account via your UAN instead of withdrawing — early withdrawals break compounding and can be taxable.
Frequently asked questions
What is the EPF interest rate for 2025-26?
8.25% a year. EPFO's Central Board of Trustees recommended 8.25% for FY 2025-26, the Government approved it and EPFO issued the order to credit it on 1 July 2026. It is the same rate as FY 2023-24 and FY 2024-25. The rate for FY 2026-27 will be declared after the year.
How is EPF interest calculated?
EPFO computes interest every month on the running balance (opening balance plus contributions to date) at the annual rate ÷ 12, adds up the 12 months and credits the total once a year. This calculator follows the same method and assumes your salary rises once a year.
How much of my employer's 12% goes to EPF?
Your employer also contributes 12% of basic + DA, but 8.33% of wages up to ₹15,000 (a maximum of ₹1,250 a month) goes to the Employees' Pension Scheme (EPS). The rest goes to your EPF account. On ₹30,000 basic, the employer's ₹3,600 splits into ₹1,250 EPS and ₹2,350 EPF.
What will my EPF be at 58 on a ₹30,000 basic salary?
Illustration: starting at ₹30,000 basic + DA with 12% contributions, a 5% yearly hike and 8.25% interest throughout, the balance after 30 years is about ₹1,60,92,843. Without any salary increase it would be about ₹88,48,033. Interest rates and salary growth will differ in reality.
Is EPF interest taxable?
Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if your employer does not contribute) is taxable, under rules in force since 1 April 2021. Employer contributions to EPF, NPS and superannuation above ₹7.5 lakh a year in total are taxable as perquisites. Withdrawals after 5 years of continuous service are tax-free; earlier withdrawals are generally taxable with TDS.
What is VPF and should I use it?
Voluntary Provident Fund lets you contribute more than 12% of basic + DA; it earns the same EPF rate. Raising your contribution to 20% in the example above increases the 30-year balance to about ₹2,20,76,435. Keep the ₹2.5 lakh taxable-interest threshold and your liquidity needs in mind.
Does the new labour code change EPF?
The Code on Social Security, 2020, in force from 21 November 2025, defines wages as basic pay, dearness allowance and retaining allowance, and adds back excluded allowances above 50% of total remuneration. Where this raises your 'wages', PF contributions (and gratuity) rise too, and take-home pay may fall. How your employer applies it depends on your salary structure — check your payslip.
Educational tool only — not investment, tax or legal advice. Figures are formula-based illustrations using the stated assumptions; actual outcomes depend on notified rates, rules and your specific facts. Verify with official sources or a qualified professional before acting. Findost (findost.io) and PaisaGuru by Findost are not affiliated with Findoc, FinDost, or other similarly named brands. PaisaGuru is the AI wealth concierge of Findost.