Free Online EPF Calculator
Use this free EPF Calculator to estimate your Employees Provident Fund corpus from monthly Basic plus DA, current PF balance, contribution rates, interest rate, annual salary hike, and investment period.
The calculator separates employee EPF contribution, employer EPF contribution, and employer EPS pension share so you can understand why the full employer contribution may not appear directly in your EPF corpus.
EPF rules and interest rates can change, and individual EPFO passbook records may differ because of transfers, withdrawals, EPS eligibility, wage ceiling, employer setup, and monthly posting timing. Use this as an estimate.
Key Features
When to Use This EPF Calculator
How to Use the EPF Calculator
- 1. Enter monthly Basic plus DA or PF wage.
- 2. Add current EPF balance if you already have one.
- 3. Check employee and employer contribution rates.
- 4. Set EPF interest rate, salary hike, time period, and EPS wage cap assumption.
- 5. Review estimated EPF corpus, EPS share, and interest earned.
EPF Calculator FAQ
Is this EPF Calculator free?
Yes. The EPF Calculator is free and does not require login.
What salary should I enter?
Enter monthly Basic plus Dearness Allowance or the PF wage used by your employer, not necessarily full CTC.
Why is EPS shown separately?
A part of the employer contribution commonly goes to the Employees Pension Scheme. That EPS portion is not shown as direct EPF corpus in the calculator.
What EPF interest rate does this use?
The default interest rate is editable. It is set to 8.25% based on current EPFO references, but users should verify the latest notified rate.
Will this exactly match my EPFO passbook?
No. Passbook values can differ because of monthly posting dates, transfers, withdrawals, employer records, EPS eligibility, wage ceiling, and officially notified interest crediting.