Calculate the maturity EPF balance at retirement from salary contributions.
Calculate your Employees' Provident Fund maturity balance at age 58 based on basic salary, employer match, and interest.
12% employee contribution plus 3.67% employer EPF contribution earns monthly interest, compounded annually at government declared rates.
Salaried employees contribute 12% of basic salary + DA to EPF. Employers match 12%, split into 3.67% for EPF and 8.33% for Employee Pension Scheme (EPS).
EPFO calculates interest monthly on running balances, crediting total accumulated interest annually at financial year-end at declared interest rates (e.g. 8.15%).
EPF maturity is tax-free after 5 years of continuous service. Interest on employee EPF contributions exceeding ₹2.5 Lakhs per year is taxable.
EPFO declares annual EPF interest rates, which currently stand at 8.15% - 8.25% per annum.
Yes, EPF balances transfer seamlessly between employers using Universal Account Number (UAN) via the EPFO Unified Member portal.
VPF allows salaried employees to voluntarily contribute up to 100% of basic salary + DA to EPF, earning identical interest rates.