EPFO Retirement Planning
Provident Fund (EPF) Calculator
Estimate your Employee Provident Fund (EPF) retirement corpus. Computes monthly 12% employee contribution, 3.67% employer EPF allocation, statutory 8.25% annual interest rate, and projected annual salary increments.
EPF Parameters 8.25% EPFO Rate
EPF Corpus Projection
Estimated EPF Retirement Corpus
₹ 84,20,539
Your Total Contribution (12%):
₹ 19,04,500
Employer Total Contribution (3.67%):
₹ 5,82,458
Total Compound Interest Earned:
₹ 56,83,581
How Employer EPF vs EPS is Bifurcated
Under the Employees' Provident Funds Scheme, 1952, the monthly 12% contribution is split as follows:
- Employee Share (12%): Deposited 100% into the employee's EPF account.
- Employer Share (12%):
- 3.67%: Credited to employee's EPF account.
- 8.33%: Diverted to the Employees' Pension Scheme (EPS) (capped at ₹15,000 wage ceiling = ₹1,250/mo).