Standard EPF contribution is 12% of basic salary
Current EPF rate: 8.25% for FY 2024-25
✓ Employee contribution qualifies for deduction under Section 80C (up to ₹1.5 lakh)
✓ Interest earned is tax-free
✓ Maturity amount is completely tax-free (EEE status)
✓ Employer contribution is not taxable (up to 12% of salary)
Disclaimer: This calculator provides estimates based on the current EPF interest rate of 8.25% for FY 2024-25. Actual returns may vary as the government revises EPF rates periodically. EPF interest is calculated monthly but credited annually. Consult with a financial advisor for personalized advice.
₹31,08,862
₹38,45,586
₹69,54,448
Your Contribution (12%)
₹6,000
Employer Contribution (3.67%)
₹1,835
Total Monthly Contribution
₹7,835
Note: Employer's 8.33% contribution goes to EPS (Pension Scheme)
| Year | Employee | Employer | Total Contribution | Interest | Balance |
|---|---|---|---|---|---|
| 1 | ₹72,000 | ₹22,020 | ₹94,020 | ₹4,309 | ₹98,329 |
| 2 | ₹75,600 | ₹23,121 | ₹98,721 | ₹12,951 | ₹2,10,001 |
| 3 | ₹79,380 | ₹24,277 | ₹1,03,657 | ₹22,746 | ₹3,36,405 |
| 4 | ₹83,349 | ₹25,491 | ₹1,08,840 | ₹33,816 | ₹4,79,060 |
| 5 | ₹87,516 | ₹26,765 | ₹1,14,282 | ₹46,290 | ₹6,39,632 |
| 6 | ₹91,892 | ₹28,104 | ₹1,19,996 | ₹60,311 | ₹8,19,939 |
| 7 | ₹96,487 | ₹29,509 | ₹1,25,996 | ₹76,037 | ₹10,21,972 |
| 8 | ₹1,01,311 | ₹30,984 | ₹1,32,296 | ₹93,639 | ₹12,47,906 |
| 9 | ₹1,06,377 | ₹32,534 | ₹1,38,910 | ₹1,13,303 | ₹15,00,119 |
| 10 | ₹1,11,696 | ₹34,160 | ₹1,45,856 | ₹1,35,233 | ₹17,81,208 |
| 11 | ₹1,17,280 | ₹35,868 | ₹1,53,149 | ₹1,59,655 | ₹20,94,012 |
| 12 | ₹1,23,144 | ₹37,662 | ₹1,60,806 | ₹1,86,811 | ₹24,41,629 |
| 13 | ₹1,29,302 | ₹39,545 | ₹1,68,846 | ₹2,16,967 | ₹28,27,442 |
| 14 | ₹1,35,767 | ₹41,522 | ₹1,77,289 | ₹2,50,415 | ₹32,55,146 |
| 15 | ₹1,42,555 | ₹43,598 | ₹1,86,153 | ₹2,87,473 | ₹37,28,772 |
| 16 | ₹1,49,683 | ₹45,778 | ₹1,95,461 | ₹3,28,485 | ₹42,52,718 |
| 17 | ₹1,57,167 | ₹48,067 | ₹2,05,234 | ₹3,73,831 | ₹48,31,783 |
| 18 | ₹1,65,025 | ₹50,470 | ₹2,15,496 | ₹4,23,923 | ₹54,71,201 |
| 19 | ₹1,73,277 | ₹52,994 | ₹2,26,270 | ₹4,79,210 | ₹61,76,681 |
| 20 | ₹1,81,940 | ₹55,643 | ₹2,37,584 | ₹5,40,182 | ₹69,54,448 |