EPF calculator: your PF balance at retirement
Enter your basic salary and age. See your EPF balance at retirement, with your contributions, your employer's and the interest.
- Rate 8.25% (FY 2025-26)
- EPS split included
- Free, no sign-up
PF withdrawals can be taxed
Withdrawing before 5 years of service, or contributing heavily through VPF, can bring tax. Our experts check before you act.
Questions people often ask
Is PF withdrawal taxable?
Not after 5 years of continuous service. Before that, part of it can be taxable, and TDS may apply.
Is EPF interest taxable?
Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if your employer doesn't contribute) is taxable.
Where your PF goes
Every month, from your basic + DA.
| From | To EPF | To EPS (pension) |
|---|---|---|
| You (12%) | All of it | None |
| Your employer (12%) | 3.67%, or more | 8.33% of up to ₹15,000 |
EPS is capped at ₹1,250 a month; the rest of your employer's share goes to EPF.
Last reviewed 8 October 2026. The rules in this calculator come from these official sources.
- EPF interest and member services Employees' Provident Fund Organisation
- Taxability of retirement benefits (PF, NPS, gratuity) Income Tax Department
Common questions
What is the EPF interest rate?
8.25% for FY 2025-26, approved in 2026. EPFO sets the rate each year.
How much goes to EPF every month?
You contribute 12% of basic + DA. Your employer also contributes 12%, but up to ₹1,250 of it goes to the pension scheme (EPS) instead of your EPF.
How is EPF interest calculated?
On the balance each month, at the yearly rate ÷ 12, added to your account at the end of the year.
Is EPF tax-free?
Your contribution counts for 80C under the old regime. Interest and withdrawals are tax-free after 5 years of service, except interest on contributions above ₹2.5 lakh a year.
What is VPF?
Voluntary PF: extra money you choose to put in, earning the same rate. It counts towards the ₹2.5 lakh limit for tax-free interest.
Related calculators
PPF
Your PPF balance at maturity, all of it tax-free.
NPS
Your pension corpus and monthly pension.
Gratuity
How much gratuity you'll get, and how much is tax-free.
Retirement
How much you need to retire, and how to get there.
Salary in hand
Turn your CTC into the amount that reaches your bank.
80C planner
Use your ₹1.5 lakh 80C limit well.