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PF Calculator — Compute Your Provident Fund Maturity

EPF inputs
Year-by-year breakdown (30 years)
Year Age Opening Employee Employer Interest Closing
1 31 ₹0 ₹72,000 ₹22,020 ₹3,878 ₹97,898
2 32 ₹97,898 ₹72,000 ₹22,020 ₹11,955 ₹2,03,873
3 33 ₹2,03,873 ₹72,000 ₹22,020 ₹20,698 ₹3,18,591
4 34 ₹3,18,591 ₹72,000 ₹22,020 ₹30,162 ₹4,42,773
5 35 ₹4,42,773 ₹72,000 ₹22,020 ₹40,407 ₹5,77,200
6 36 ₹5,77,200 ₹72,000 ₹22,020 ₹51,497 ₹7,22,718
7 37 ₹7,22,718 ₹72,000 ₹22,020 ₹63,503 ₹8,80,240
8 38 ₹8,80,240 ₹72,000 ₹22,020 ₹76,498 ₹10,50,758
9 39 ₹10,50,758 ₹72,000 ₹22,020 ₹90,566 ₹12,35,344
10 40 ₹12,35,344 ₹72,000 ₹22,020 ₹1,05,794 ₹14,35,158
11 41 ₹14,35,158 ₹72,000 ₹22,020 ₹1,22,279 ₹16,51,457
12 42 ₹16,51,457 ₹72,000 ₹22,020 ₹1,40,124 ₹18,85,601
13 43 ₹18,85,601 ₹72,000 ₹22,020 ₹1,59,440 ₹21,39,061
14 44 ₹21,39,061 ₹72,000 ₹22,020 ₹1,80,351 ₹24,13,432
15 45 ₹24,13,432 ₹72,000 ₹22,020 ₹2,02,986 ₹27,10,439
16 46 ₹27,10,439 ₹72,000 ₹22,020 ₹2,27,490 ₹30,31,948
17 47 ₹30,31,948 ₹72,000 ₹22,020 ₹2,54,014 ₹33,79,982
18 48 ₹33,79,982 ₹72,000 ₹22,020 ₹2,82,727 ₹37,56,729
19 49 ₹37,56,729 ₹72,000 ₹22,020 ₹3,13,808 ₹41,64,558
20 50 ₹41,64,558 ₹72,000 ₹22,020 ₹3,47,454 ₹46,06,032
21 51 ₹46,06,032 ₹72,000 ₹22,020 ₹3,83,876 ₹50,83,928
22 52 ₹50,83,928 ₹72,000 ₹22,020 ₹4,23,302 ₹56,01,250
23 53 ₹56,01,250 ₹72,000 ₹22,020 ₹4,65,981 ₹61,61,252
24 54 ₹61,61,252 ₹72,000 ₹22,020 ₹5,12,182 ₹67,67,453
25 55 ₹67,67,453 ₹72,000 ₹22,020 ₹5,62,193 ₹74,23,667
26 56 ₹74,23,667 ₹72,000 ₹22,020 ₹6,16,331 ₹81,34,017
27 57 ₹81,34,017 ₹72,000 ₹22,020 ₹6,74,935 ₹89,02,972
28 58 ₹89,02,972 ₹72,000 ₹22,020 ₹7,38,374 ₹97,35,366
29 59 ₹97,35,366 ₹72,000 ₹22,020 ₹8,07,046 ₹1,06,36,432
30 60 ₹1,06,36,432 ₹72,000 ₹22,020 ₹8,81,384 ₹1,16,11,836

How PF (EPF) works

The Employees’ Provident Fund is India’s primary salaried-employee retirement scheme. It’s mandatory for organisations with 20+ employees (some states extend to smaller orgs). Both you and your employer contribute 12% of your basic+DA monthly. The corpus earns interest at the EPFO-declared rate (8.25% for FY 2024-25), compounded annually.

Tax treatment (EEE)

EPF is one of the few EEE (Exempt-Exempt-Exempt) instruments in India:

  1. Contribution exempt — your 12% counts under §80C up to ₹1.5L
  2. Interest exempt — the 8.25% credit is tax-free
  3. Maturity exempt — withdrawal at retirement (after 5+ years of service) is fully tax-free

Bridges

Related

Concepts and calculators referenced here.

Concepts

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Frequently Asked Questions

What's the difference between PF, EPF, and PPF?
PF is the colloquial term for EPF (Employees' Provident Fund) — the mandatory salaried-employee scheme. PPF (Public Provident Fund) is a separate voluntary scheme open to anyone, with a 15-year lock-in. Use the [PPF Calculator](/investments/ppf-calculator/) for PPF projections.
Why is the EPF interest rate 8.25%?
EPFO declares the interest rate annually based on returns from its investment corpus. 8.25% is the FY 2024-25 rate (notified in May 2024). Historically the rate has ranged 8.0–8.7% over the past decade.
How is the employer's 12% split between EPF and EPS?
Of the employer's 12% contribution: 3.67% goes to EPF (corpus accumulation), 8.33% goes to EPS (Employees' Pension Scheme — capped at ₹1,250/month based on the ₹15K wage ceiling). This calculator only models the EPF corpus; for EPS pension, use the [EPS Calculator](/pension/eps-calculator/).
Can I withdraw EPF before retirement?
Yes — partial withdrawal allowed for marriage, education, home purchase, medical emergencies (different rules per category). Full withdrawal allowed if unemployed for 2+ months. Pre-5-year-service withdrawals are TDS-deducted and add to your taxable income.
Does EPF contribution count under §80C?
Yes — your 12% employee contribution counts toward §80C up to ₹1.5L per FY. Employer's 12% does NOT count under §80C (it's not your contribution). See the [§80C Calculator](/tax/80c-deduction-calculator/) for the deduction math.
What happens to EPF when I change jobs?
Your EPF balance transfers to the new employer's account via UAN (Universal Account Number). Don't withdraw between jobs — withdrawn EPF is taxable if service is under 5 years. The transfer is online via the EPFO member portal.
What's VPF and should I use it?
VPF (Voluntary Provident Fund) lets you contribute beyond the mandatory 12% — earns the same 8.25%, with the same EEE tax treatment. Use the [VPF Calculator](/pension/vpf-calculator/) to project the additional corpus.
Compliance disclaimer

The calculations on this page are illustrative based on current EPFO/PFRDA rules. Actual maturity values depend on contribution patterns, scheme rules in effect at maturity, and future rate changes. Educational content only — verify with EPFO/NSDL before financial decisions.

About this calculator

Reviewed by Jayesh Jain, AMFI Registered Mutual Fund Distributor (ARN-286359 — verify ).

Last reviewed: 2026-05-09

Formula source: EPFO Act 1952; EPFO 8.25% interest notification (FY 2024-25)

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