Reva Money · Calculators · EPF calculator
Work out your EPF balance at retirement from your basic pay, yearly raises and the 8.25% rate EPFO declared for 2025-26.
| Basic pay a month | ₹50,000 |
|---|---|
| Years to retirement | 25 years |
| Pay rise a year | 6% |
| EPF rate a year | 8.25% |
| EPF at retirement | ₹1.94 Cr |
| You and your employer put in | ₹75.26 L |
| Interest | ₹1.19 Cr |
| Going in this month | ₹10,751 |
You put 12% of basic pay into EPF and your employer matches it, but 8.33% of up to ₹15,000 of basic goes to the pension scheme (EPS), not EPF.
The calculator raises basic pay once a year and compounds monthly at the rate you choose. EPFO declared 8.25% for 2025-26.
Formula: Monthly EPF = 12% of basic + (12% of basic − 8.33% of min(basic, ₹15,000)); each month: Balance = (Balance + Monthly EPF) × (1 + r ÷ 12).
Rising 6% a year for 25 years at 8.25%, about ₹1.94 Cr.
It is tax-free up to a limit. Interest on your own contributions above ₹2.5 lakh a year is taxable.
Illustrative only. These figures assume steady returns, which real investments don’t give. They are not investment advice.