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Finance Calculators

EPF Calculator

Verified formula Updated Jun 2026 Private — runs on your device

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₹
%
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30 years
1 years45 years
Verified formula Private

EPF maturity value

₹1,49,09,756

Total contribution
₹47,83,597
Interest earned
₹1,01,26,159
YearContributionTotal contributedBalanceInterest
1₹72,000₹72,000₹74,970₹2,970
2₹75,600₹1,47,600₹1,59,874₹12,274
3₹79,380₹2,26,980₹2,55,718₹28,738
4₹83,349₹3,10,329₹3,63,601₹53,272
5₹87,516₹3,97,845₹4,84,725₹86,880
6₹91,892₹4,89,738₹6,20,398₹1,30,660
7₹96,487₹5,86,225₹7,72,047₹1,85,823
8₹1,01,311₹6,87,536₹9,41,232₹2,53,696
9₹1,06,377₹7,93,913₹11,29,648₹3,35,735
10₹1,11,696₹9,05,608₹13,39,147₹4,33,539
11₹1,17,280₹10,22,889₹15,71,745₹5,48,856
12₹1,23,144₹11,46,033₹18,29,638₹6,83,605
13₹1,29,302₹12,75,335₹21,15,219₹8,39,884
14₹1,35,767₹14,11,102₹24,31,091₹10,19,990
15₹1,42,555₹15,53,657₹27,80,092₹12,26,435
16₹1,49,683₹17,03,339₹31,65,307₹14,61,967
17₹1,57,167₹18,60,506₹35,90,094₹17,29,588
18₹1,65,025₹20,25,532₹40,58,110₹20,32,578
19₹1,73,277₹21,98,808₹45,73,328₹23,74,520
20₹1,81,940₹23,80,749₹51,40,073₹27,59,324
21₹1,91,037₹25,71,786₹57,63,047₹31,91,261
22₹2,00,589₹27,72,375₹64,47,362₹36,74,986
23₹2,10,619₹29,82,994₹71,98,576₹42,15,582
24₹2,21,150₹32,04,144₹80,22,731₹48,18,587
25₹2,32,207₹34,36,351₹89,26,392₹54,90,041
26₹2,43,818₹36,80,169₹99,16,694₹62,36,525
27₹2,56,008₹39,36,177₹1,10,01,390₹70,65,213
28₹2,68,809₹42,04,986₹1,21,88,902₹79,83,916
29₹2,82,249₹44,87,235₹1,34,88,378₹90,01,143
30₹2,96,362₹47,83,597₹1,49,09,756₹1,01,26,159
View chart data
contrib_cumbalance
17200074970
2147600159873.53
3226980255717.52
4310329363601.36
5397845.45484724.97
6489737.72620397.61
7586224.61772047.38
8687535.84941231.61
9793912.631129648.06
10905608.261339147.1
111022888.681571744.96
121146033.111829638.06
131275334.762115218.55
141411101.52431091.2
151553656.582780091.69
161703339.413165306.5
171860506.383590094.4
182025531.74058109.8
192198808.284573328.1
202380748.75140073.13
212571786.135763046.89
222772375.446447361.87
232982994.217198576.02
243204143.928022730.68
253436351.118926391.71
263680168.679916694.05
273936177.111001390.09
284204985.9612188902
294487235.2613488378.49
304783597.0214909756.4

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the EPF Calculator

The EPF Calculator works out your epf maturity value, along with 2 related figures in an instant. Enter monthly basic + da, total contribution (employee + employer) and epf interest rate (p.a.) and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the monthly basic + da.
  2. Enter the total contribution (employee + employer).
  3. Enter the epf interest rate (p.a.).
  4. Enter the annual salary growth.
  5. Set the years of service.
  6. Read off your epf maturity value, together with total contribution and interest earned — the calculator updates automatically, with no button to press.

Worked example

For example, with monthly basic + da of ₹25,000, total contribution (employee + employer) of 24%, epf interest rate (p.a.) of 8.25% and annual salary growth of 5% and the other inputs, the epf maturity value is ₹1,49,09,756.

Inputs used
Monthly basic + DA ₹25,000
Total contribution (employee + employer) 24%
EPF interest rate (p.a.) 8.25%
Annual salary growth 5%
Years of service 30 years
Results
EPF maturity value ₹1,49,09,756
Total contribution ₹47,83,597
Interest earned ₹1,01,26,159

Results are estimates for educational use, not professional advice.

Key terms explained

Interest rate
The percentage charged on a loan or paid on savings, usually quoted per year (per annum).
Maturity
The point at which an investment or deposit ends and its full value becomes payable.

Frequently asked questions

Each year your contribution (a percentage of basic salary) is added and the running balance earns the EPF interest rate. The balance carries forward and compounds year after year until retirement.

Employees contribute 12% of basic plus DA, and employers contribute a matching 12% — though part of the employer share goes to the EPS pension scheme. This calculator uses a combined rate you can adjust.

The EPF interest rate is declared each year by the EPFO. It has recently been around 8.25% per annum. You can change the rate in the calculator to match the latest figure.

EPF enjoys EEE status if you complete five years of continuous service — contributions, interest and the final withdrawal are exempt from tax, subject to conditions.

Enter the monthly basic + da. Enter the total contribution (employee + employer). Enter the epf interest rate (p.a.). Enter the annual salary growth. Set the years of service. Read off your epf maturity value, together with total contribution and interest earned — the calculator updates automatically, with no button to press.

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