EPF Calculator
Employees' Provident Fund: aapka aur employer ka PF contribution milkar retirement tak kitna banega — interest ke saath.
Year-by-year projection
| Age | Contribution/yr | Interest | Balance |
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How EPF is calculated
PF me har mahine do taraf se paisa jata hai:
Employer contribution = 12% of Basic + DA (isme se 8.33% EPS pension me jata hai, baaki EPF me)
EPS (pension) ka hissa ₹15,000 wage ceiling par capped hai — yani 8.33% × 15,000 = ₹1,250/month maximum, chahe salary kitni bhi ho. Isliye:
Interest 8.25% p.a. (FY 2025-26) EPFO har mahine balance par compute karta hai aur saal ke end me credit karta hai — is calculator me hum monthly accrual se estimate karte hain.
Worked example: Basic+DA ₹15,000/month, age 30 se 58 (28 saal), 5% salary growth, 8.25% interest → aapka contribution ₹1,800/month + employer ka EPF share ₹550/month = ₹2,350/month shuru me. 28 saal me corpus ≈ ₹21.94 lakh (growth ke saath), jisme interest ka hissa sabse bada hota hai.
FAQ
PF ka paisa kitna tax-free hai?
EPF me aapka aur employer ka contribution, aur us par mila interest — teeno EEE (Exempt-Exempt-Exempt) category me aate hain, yani maturity par poora tax-free. Condition: aapki annual PF contribution ₹2.5 lakh se zyada nahi ho (₹5 lakh agar employer contribution hai). Usse upar wale interest par tax lagta hai. 5 saal continuous service ke baad withdrawal bhi tax-free hota hai.
EPS aur EPF me kya difference hai?
Employer ka 12% do hisso me jata hai: EPF (Provident Fund) aur EPS (Employee Pension Scheme). EPS ka hissa ₹1,250/month par capped hai aur wo pension fund me jata hai — us paisa par interest nahi milta, balki 58 par pension milti hai (formula: pensionable salary × service years ÷ 70). Baaki sab kuch EPF account me jama hota hai aur us par 8.25% interest milta hai.
Kya main apna PF contribution badha sakta hoon?
Employee apni marzi se 12% se zyada contribute kar sakta hai — ise VPF (Voluntary Provident Fund) kehte hain, aur same 8.25% interest milta hai. Lekin employer sirf 12% hi dega. Ujjwal option: VPF ka interest bhi tax-free hai (₹2.5L limit ke andar), isliye ye safe debt investment ke liye achha hai — lekin liquidity kam hai, paisa 58 tak lock rehta hai.
Job change par PF ka kya hota hai?
Naya job par UAN (Universal Account Number) same rehta hai — purane PF ko naye employer ke PF me transfer kar dein (Form 13 via EPFO portal/UMANG). Transfer na karein to purana account dormant ho jaata hai; aaj bhi us par interest milta rehta hai (zinda accounts par). 2 mahine se zyada unemployed rehne par 75% withdrawal kar sakte hain, lekin best practice: transfer karein, withdrawal nahi.
Ye estimate kitna accurate hai?
Ye ek projection hai, promise nahi. Real corpus salary hikes, bonus, job changes, contribution gaps, VPF, EPFO ke rate changes aur ₹2.5 lakh tax limit par depend karta hai. Sabse accurate tarika: apna actual EPF passbook balance daalein (field #4), apna realistic average salary growth rakhein, aur har saal UMANG/EPFO portal se apna balance cross-check karein.