EPF Calculator
Calculate Employees Provident Fund returns with employer contribution, pension benefits, and tax implications.
Employee EPF: ₹6,000 | Employer EPF: ₹4,440 | EPS: ₹1,560
Current rate: 8.25% (FY 2024-25)
EPF Benefits
- 12% employee + 12% employer contribution
- Tax-free withdrawals after 5 years
- Loan facility up to 75% of balance
- Pension benefits through EPS
Contribution Split
- Employee: 12% of basic salary
- Employer EPF: 3.67% of basic salary
- Employer EPS: 8.33% of basic salary
- Admin charges: 0.5% + 0.01%
EPF Summary
Service Period:
35 years
Total Employee Contribution:
₹35,67,890
Total Employer Contribution:
₹13,08,889
Interest Earned:
₹1,23,45,678
EPF Balance at Retirement:
₹1,72,22,457
Monthly Pension (EPS):
₹8,450
Current Year Contribution
Employee EPF (12%):
₹72,000
Employer EPF (3.67%):
₹22,020
Employer EPS (8.33%):
₹49,980
Total Annual Contribution:
₹1,44,000
Tax Benefits
Section 80C Deduction:
₹72,000
Tax Saved (30% slab):
₹21,600
Withdrawal Tax:
Tax-free after 5 years
Effective Investment:
₹50,400