Employees Provident Fund
EPF Calculator
Calculate your EPF corpus, retirement benefits, and monthly pension (EPS). 12% employee + 12% employer contribution with accurate interest calculation.
Your EPF Details
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EPF Maturity Calculation
EPF Corpus at Age 58
₹0
Investment Period: 58 years
Total Contributed
₹0
Interest Earned (Tax-free)
₹0
Monthly Contributions Breakdown
EPF Wage (capped at ₹15K)₹0
Employee Contribution (12%)₹0
Employer to EPF (3.67%)₹0
Employer to EPS (8.33%)₹0
Total to EPF Account₹0
EPS Monthly Pension
Estimated Monthly Pension
₹0
Based on 35 years of pensionable service
Note: EPS pension is calculated as (Pensionable Salary × Pensionable Service) / 70. Minimum 10 years service required. Maximum 35 years considered.
Annual Tax Benefits
Section 80C Deduction
₹0
Employee contribution (max ₹1.5L)
Tax Saved (30% bracket)₹0
Tax Saved (20% bracket)₹0
Additional Benefits: Employer contribution (₹0/year) is tax-exempt under Section 10(12). Interest earned is also tax-free if withdrawn after 5 years of continuous service.
EPF Rules & Regulations
Contribution Rules
Employee: 12% of (Basic + DA), capped at ₹15,000 wage
Employer: 3.67% to EPF + 8.33% to EPS (max ₹1,250)
VPF (Voluntary): Additional employee contribution allowed
Applicable to organizations with 20+ employees
Tax Benefits
Section 80C: Employee contribution deductible (max ₹1.5L)
Section 10(12): Employer contribution tax-exempt
Interest earned is tax-free (if 5+ years service)
Withdrawal fully tax-exempt after 5 years
Withdrawal Rules
Full withdrawal: After retirement or 2 months unemployment
Partial withdrawal: For marriage, education, medical, house
90% advance: For home loan repayment (after 5 years)
Taxable if withdrawn before 5 years of service
EPS Pension
Minimum 10 years service required for pension
Pension starts from age 58 (can defer till 60)
Maximum 35 years of service considered
Scheme certificate withdrawal if <10 years service
Automate EPF Management for Your Organization
Our HRMS automatically calculates EPF contributions, manages EPFO compliance, generates ECR files, handles EPS calculations, and processes EPF withdrawals seamlessly.