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EPF Calculator & Retirement Planner

Calculate your EPF maturity, check EPS pension estimates, verify withdrawal rules, and project your total retirement corpus.

EPF Parameters

₹
₹
%
%

Where does the Employer 12% go?

Employer 12% Match₹6,000
EPF Bucket
₹4,751
Earns interest
EPS Pension
₹1,250
Capped at ₹1250/mo

The employer contributes 12%, but 8.33% (subject to the wage ceiling) is diverted to the Employees' Pension Scheme (EPS). The remainder goes to your regular EPF corpus.

80Score

Retirement Health

Your setup is Excellent.

Excellent compound interest potential.

Estimated EPF Corpus at Age 58

₹3,76,55,271
Your Total Deposits₹1,38,08,959
Total Interest Earned₹2,38,46,311
Total Monthly Inflow₹10,751 / mo

The Power of Compounding

Of your final ₹3,76,55,271 corpus, a staggering 63% is pure interest.

Withdrawal Checker

Max Eligible Limit:₹18,00,000

Tax on Withdrawal

Tax Status:Tax Free

EPS Pension Estimator

If you complete 10+ years of service, you are eligible for a monthly pension at age 58, completely independent of your EPF balance.

Est. Monthly Pension
₹0
Requires 10 Yrs Service

Corpus Growth Timeline

AgeDeposits (Yr)Interest (Yr)Closing Balance
31₹1,29,006₹46,571₹6,75,577
32₹1,40,526₹61,532₹8,77,635
33₹1,52,968₹78,715₹11,09,318
34₹1,66,405₹98,383₹13,74,105
35₹1,80,916₹1,20,826₹16,75,848
36₹1,96,589₹1,46,367₹20,18,804
37₹2,13,516₹1,75,359₹24,07,679
38₹2,31,797₹2,08,195₹28,47,671
39₹2,51,540₹2,45,309₹33,44,519
40₹2,72,863₹2,87,178₹39,04,561
41₹2,95,891₹3,34,332₹45,34,784
42₹3,20,762₹3,87,351₹52,42,897
43₹3,47,622₹4,46,878₹60,37,398
44₹3,76,632₹5,13,621₹69,27,651
45₹4,07,962₹5,88,360₹79,23,972
46₹4,41,798₹6,71,952₹90,37,722
47₹4,78,342₹7,65,344₹1,02,81,408
48₹5,17,809₹8,69,576₹1,16,68,792
49₹5,60,433₹9,85,793₹1,32,15,018
50₹6,06,467₹11,15,256₹1,49,36,741
51₹6,56,184₹12,59,349₹1,68,52,274
52₹7,09,878₹14,19,595₹1,89,81,747
53₹7,67,868₹15,97,669₹2,13,47,283
54₹8,30,497₹17,95,409₹2,39,73,189
55₹8,98,136₹20,14,836₹2,68,86,161
56₹9,71,186₹22,58,170₹3,01,15,517
57₹10,50,081₹25,27,846₹3,36,93,444
58₹11,35,287₹28,26,540₹3,76,55,271

What is EPF and EPS?

The Employees' Provident Fund (EPF) is a retirement benefit scheme backed by the Government of India. Both the employee and the employer contribute a portion of the basic salary every month toward the employee's retirement corpus.

While the employee's entire 12% goes directly into the EPF account, the employer's 12% is legally split into two components:

  • EPS (Employees' Pension Scheme): 8.33% of the employer's contribution goes here, up to a strict maximum wage ceiling of ₹15,000. This means the maximum EPS contribution is capped at ₹1,250 per month.
  • EPF (Provident Fund): The remaining amount (3.67% or more) goes into your regular EPF account, which earns compounding interest every year.

EPF vs PPF: Which is better?

FeatureEPF (Employee PF)PPF (Public PF)
EligibilitySalaried employees onlyAnyone (Salaried, Self-employed)
ContributionEmployee + Employer matchSelf-contribution only
Interest Rate~8.15% to 8.25% (Subject to change)~7.1% (Subject to change)
Lock-in PeriodUntil retirement / resignationStrict 15 years
Tax BenefitEEE (Exempt-Exempt-Exempt)EEE (Exempt-Exempt-Exempt)

Transferring PF is Critical

When you change jobs, you have a UAN (Universal Account Number) that remains the same, but a new PF Member ID is created by your new employer.

You MUST actively transfer your old PF to your new PF using the EPFO portal.
If you don't transfer, your old PF stops earning interest after 3 years and your continuous service years reset, hurting your pension eligibility.

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Frequently Asked Questions

Is my EPF withdrawal taxable?

If you withdraw your EPF balance before completing 5 continuous years of service, the withdrawal is fully taxable in your hands, and TDS will be deducted at 10% (if PAN is linked). If you withdraw after 5 years, it is 100% tax-free.

Can I withdraw EPS (Pension)?

You can only withdraw your EPS contribution via Form 10C if your total service is less than 9.5 years. If your service exceeds 10 years, you cannot withdraw the EPS lump sum; instead, you are mandated to receive a monthly pension after age 58.

What happens if I stay unemployed for 2 months?

Under EPFO rules, if you are unemployed for more than 1 month, you can legally withdraw 75% of your total EPF corpus. If the unemployment continues for 2 months, you can withdraw the remaining 25% and close the account.

What is the difference between Form 19, 10C, and 10D?

Form 19: Used for final settlement of your core EPF balance.
Form 10C: Used to withdraw your EPS balance (if service < 10 years) or get a Scheme Certificate.
Form 10D: Used to apply for your monthly pension after retirement.

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