You and your employer each put 12% of basic pay into the scheme; 8.33% of the employer's share (on pay up to ₹15,000) goes to the pension fund, the rest to your provident fund. Interest is credited yearly at the EPFO rate — 8.25% for 2025–26.
Basic + DA, a month₹50k
₹
Age now30 yrs
yrs
Retire at58 yrs
yrs
Salary growth a year7%
%
EPF interest rate8.25%
%
8.25% for 2025–26EPF balance so far₹3 L
₹
Voluntary PF on top (% of basic)0%
%
Results
EPF balance at 58₹3.2 Crafter 28 years
Your contributions₹58 L12% of basic
Employer's share to EPF₹54 L3.67% of basic
To the pension scheme (EPS)₹4.2 L8.33% capped at ₹15k
Interest earned₹2 Crat 8.25%
Interest is tax-free up to a contribution of ₹2.5 lakh a year by the employee; above that the interest on the excess is taxable. Withdrawal before five years of service is taxable.
EPF balance
Year by year
| Age | Basic a month | Contributions in the year | Interest | Balance |
|---|---|---|---|---|
| 31 | ₹50,000 | ₹1,29,006 | ₹30,071 | ₹4,59,077 |
| 32 | ₹53,500 | ₹1,39,086 | ₹43,611 | ₹6,41,775 |
| 33 | ₹57,245 | ₹1,49,872 | ₹59,129 | ₹8,50,775 |
| 34 | ₹61,252 | ₹1,61,412 | ₹76,847 | ₹10,89,034 |
| 35 | ₹65,540 | ₹1,73,761 | ₹97,013 | ₹13,59,808 |
| 36 | ₹70,128 | ₹1,86,973 | ₹1,19,897 | ₹16,66,678 |
| 37 | ₹75,037 | ₹2,01,111 | ₹1,45,797 | ₹20,13,586 |
| 38 | ₹80,289 | ₹2,16,239 | ₹1,75,041 | ₹24,04,865 |
| 39 | ₹85,909 | ₹2,32,425 | ₹2,07,989 | ₹28,45,279 |
| 40 | ₹91,923 | ₹2,49,744 | ₹2,45,037 | ₹33,40,061 |
| 41 | ₹98,358 | ₹2,68,276 | ₹2,86,621 | ₹38,94,958 |
| 42 | ₹1,05,243 | ₹2,88,105 | ₹3,33,218 | ₹45,16,281 |
| 43 | ₹1,12,610 | ₹3,09,322 | ₹3,85,353 | ₹52,10,955 |
| 44 | ₹1,20,492 | ₹3,32,024 | ₹4,43,600 | ₹59,86,578 |
| 45 | ₹1,28,927 | ₹3,56,315 | ₹5,08,591 | ₹68,51,484 |
| 46 | ₹1,37,952 | ₹3,82,307 | ₹5,81,018 | ₹78,14,808 |
| 47 | ₹1,47,608 | ₹4,10,118 | ₹6,61,639 | ₹88,86,565 |
| 48 | ₹1,57,941 | ₹4,39,875 | ₹7,51,286 | ₹1,00,77,727 |
| 49 | ₹1,68,997 | ₹4,71,716 | ₹8,50,871 | ₹1,14,00,314 |
| 50 | ₹1,80,826 | ₹5,05,786 | ₹9,61,390 | ₹1,28,67,489 |
| 51 | ₹1,93,484 | ₹5,42,241 | ₹10,83,935 | ₹1,44,93,665 |
| 52 | ₹2,07,028 | ₹5,81,247 | ₹12,19,704 | ₹1,62,94,616 |
| 53 | ₹2,21,520 | ₹6,22,984 | ₹13,70,004 | ₹1,82,87,604 |
| 54 | ₹2,37,026 | ₹6,67,642 | ₹15,36,268 | ₹2,04,91,513 |
| 55 | ₹2,53,618 | ₹7,15,427 | ₹17,20,061 | ₹2,29,27,002 |
| 56 | ₹2,71,372 | ₹7,66,556 | ₹19,23,098 | ₹2,56,16,656 |
| 57 | ₹2,90,368 | ₹8,21,265 | ₹21,47,251 | ₹2,85,85,172 |
| 58 | ₹3,10,693 | ₹8,79,803 | ₹23,94,569 | ₹3,18,59,543 |
Assumptions & formula
EPFO rate 8.25% for 2025–26 (ratified) · EPS wage ceiling ₹15,000 · checked 28 Oct 2026Monthly: employee 12% (+ VPF) of basic, employer 12% of basic less the EPS part (8.33% of basic capped at ₹15,000) · yearly interest at the EPFO rate on the opening balance, with the year's contributions earning for half a year on average- The rate stays at today's; basic pay grows at the rate entered; no withdrawals or transfers in between.
Calculators are for information and planning. Outputs depend on the inputs and assumptions you enter and are not a recommendation to buy, sell or hold any security or product. Streetgains Technologies Private Limited is a SEBI Registered Research Analyst (INH000017082); it is not a loan provider, tax adviser or mutual fund distributor.