EPF Calculator

EPF Details

Current monthly basic (Rs)Annual salary increment (%)Years until retirementCurrent EPF balance (Rs, optional)EPF interest rate (%)

Corpus at retirement

Rs 63,66,688

After 20 years

Total contributions

Rs 39,67,914

Employee + employer

Total interest earned

Rs 23,98,774

Employee contribution (10%)

Rs 19,83,957

Employer contribution (10%)

Rs 19,83,957

Year-by-year projection

Year	Monthly salary	Annual contribution	Interest	Closing balance
1	Rs 50,000.00	Rs 1,20,000.00	Rs 3,150.00	Rs 1,23,150.00
2	Rs 52,500.00	Rs 1,26,000.00	Rs 9,772.88	Rs 2,58,922.88
3	Rs 55,125.00	Rs 1,32,300.00	Rs 17,066.33	Rs 4,08,289.20
4	Rs 57,881.25	Rs 1,38,915.00	Rs 25,081.70	Rs 5,72,285.90
5	Rs 60,775.31	Rs 1,45,860.75	Rs 33,873.85	Rs 7,52,020.51
6	Rs 63,814.08	Rs 1,53,153.79	Rs 43,501.36	Rs 9,48,675.66
7	Rs 67,004.78	Rs 1,60,811.48	Rs 54,026.77	Rs 11,63,513.91
8	Rs 70,355.02	Rs 1,68,852.05	Rs 65,516.85	Rs 13,97,882.81
9	Rs 73,872.77	Rs 1,77,294.65	Rs 78,042.83	Rs 16,53,220.29
10	Rs 77,566.41	Rs 1,86,159.39	Rs 91,680.75	Rs 19,31,060.43
11	Rs 81,444.73	Rs 1,95,467.36	Rs 1,06,511.69	Rs 22,33,039.47
12	Rs 85,516.97	Rs 2,05,240.72	Rs 1,22,622.14	Rs 25,60,902.34
13	Rs 89,792.82	Rs 2,15,502.76	Rs 1,40,104.32	Rs 29,16,509.42
14	Rs 94,282.46	Rs 2,26,277.90	Rs 1,59,056.54	Rs 33,01,843.85
15	Rs 98,996.58	Rs 2,37,591.79	Rs 1,79,583.59	Rs 37,19,019.23
16	Rs 1,03,946.41	Rs 2,49,471.38	Rs 2,01,797.13	Rs 41,70,287.74
17	Rs 1,09,143.73	Rs 2,61,944.95	Rs 2,25,816.16	Rs 46,58,048.86
18	Rs 1,14,600.92	Rs 2,75,042.20	Rs 2,51,767.42	Rs 51,84,858.48
19	Rs 1,20,330.96	Rs 2,88,794.31	Rs 2,79,785.92	Rs 57,53,438.71
20	Rs 1,26,347.51	Rs 3,03,234.02	Rs 3,10,015.43	Rs 63,66,688.16

Year

Monthly salary

Annual contribution

Interest

Closing balance

Rs 50,000.00

Rs 1,20,000.00

Rs 3,150.00

Rs 1,23,150.00

Rs 52,500.00

Rs 1,26,000.00

Rs 9,772.88

Rs 2,58,922.88

Rs 55,125.00

Rs 1,32,300.00

Rs 17,066.33

Rs 4,08,289.20

Rs 57,881.25

Rs 1,38,915.00

Rs 25,081.70

Rs 5,72,285.90

Rs 60,775.31

Rs 1,45,860.75

Rs 33,873.85

Rs 7,52,020.51

Rs 63,814.08

Rs 1,53,153.79

Rs 43,501.36

Rs 9,48,675.66

Rs 67,004.78

Rs 1,60,811.48

Rs 54,026.77

Rs 11,63,513.91

Rs 70,355.02

Rs 1,68,852.05

Rs 65,516.85

Rs 13,97,882.81

Rs 73,872.77

Rs 1,77,294.65

Rs 78,042.83

Rs 16,53,220.29

Rs 77,566.41

Rs 1,86,159.39

Rs 91,680.75

Rs 19,31,060.43

Rs 81,444.73

Rs 1,95,467.36

Rs 1,06,511.69

Rs 22,33,039.47

Rs 85,516.97

Rs 2,05,240.72

Rs 1,22,622.14

Rs 25,60,902.34

Rs 89,792.82

Rs 2,15,502.76

Rs 1,40,104.32

Rs 29,16,509.42

Rs 94,282.46

Rs 2,26,277.90

Rs 1,59,056.54

Rs 33,01,843.85

Rs 98,996.58

Rs 2,37,591.79

Rs 1,79,583.59

Rs 37,19,019.23

Rs 1,03,946.41

Rs 2,49,471.38

Rs 2,01,797.13

Rs 41,70,287.74

Rs 1,09,143.73

Rs 2,61,944.95

Rs 2,25,816.16

Rs 46,58,048.86

Rs 1,14,600.92

Rs 2,75,042.20

Rs 2,51,767.42

Rs 51,84,858.48

Rs 1,20,330.96

Rs 2,88,794.31

Rs 2,79,785.92

Rs 57,53,438.71

Rs 1,26,347.51

Rs 3,03,234.02

Rs 3,10,015.43

Rs 63,66,688.16