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EPF Calculator

₹ 80,000
30
12%
10%
Interest Rate (p.a.)
%
Maturity Amount
₹ 4,68,65,011

Total amount

₹ 4,68,65,011
Invested Amount
₹ 1,89,49,711
Total Interest
₹ 2,79,15,300
Investment Period
30 Years

What is a EPF Calculator?

An EPF Calculator is an online tool designed to estimate the total savings accumulated in your EPF account over time. It considers factors like monthly contributions, employer contributions, interest rates, and tenure to provide an accurate projection of the final maturity amount. This tool is ideal for salaried employees who want to plan their retirement corpus and understand how regular contributions grow over time.

Real-World Use Cases for the EPF Calculator

  1. Retirement Corpus Projection:A young IT professional tracks how consistent EPF contributions can build a substantial retirement corpus, understanding the long-term wealth creation potential of workplace savings.
  2. Career Progression Financial Planning:Employees visualize how salary increments and increased contributions impact their overall EPF growth and future financial security.
  3. Compound Interest Visualization:Mid-career professionals explore the power of early and consistent EPF investments, gaining insights into the potential of long-term, employer-backed savings.
  4. Post-Retirement Income Strategy:Individuals near retirement plan withdrawal and reinvestment strategies, using the calculator to optimize their EPF maturity benefits.

Popular Calculators

How to Use the EPF Calculator (Step-by-Step Guide)

Using our PPF Calculator is simple and efficient. Follow these steps to estimate your returns:

Enter Your Basic Monthly Salary:

  • Input the fixed portion of your monthly salary, as EPF contributions are calculated based on it.
01

Enter Your Age:

  • Provide your current age to estimate the duration of your EPF contributions until retirement.
02

Enter Your Contribution to EPF:

  • Specify the percentage of your basic salary that you contribute to EPF. The default is 12%, but this may vary.
03

Enter Your Expected Annual Salary Increase:

  • Input the percentage increase in your salary per year to factor in salary growth over time.
04

Enter the EPF Interest Rate (Default: 8.15%):

  • The EPF interest rate is determined by the government and revised annually. The default rate is 8.15%.
05

Analyze the Results:

  • Review the projected EPF corpus based on your inputs. Use this analysis to plan your retirement savings effectively.
06
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Key Benefits and Features of Using Our EPF Calculator

Accurate EPF Balance Estimation

Accurate EPF Balance Estimation

Get precise projections of your EPF savings.

Instant and Hassle-Free

Instant and Hassle-Free

No manual calculations—get results within seconds.

Free and Unlimited Use:

Free and Unlimited Use:

Perform multiple calculations at no cost

Mobile & Desktop Compatibility

Mobile & Desktop Compatibility

Use it anytime, anywhere for convenience.

Tax Benefit Calculation

Tax Benefit Calculation

Understand how EPF savings help in tax deductions under Section 80C.

Employer & Employee Contributions

Employer & Employee Contributions

Works seamlessly across all devices.

Retirement Planning

Retirement Planning

Plan a secure financial future by tracking long-term savings growth.

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