Calculate your PF corpus at retirement and monthly EPS pension — with year-by-year growth
Your Details
₹
₹
years
years
EPF Interest Rate
8.25%
Salary Growth
5.0%
Total EPF Corpus at Retirement
₹0
enter your details above
Total Contributions
₹0
Interest Earned
₹0
Years to Retirement
0 yrs
Monthly Contribution
₹0
🤝
Estimated Monthly EPS Pension
₹0 / month
Formula: (Pensionable Salary × Service Years) ÷ 70
Monthly Contribution Breakup
Employee 12%₹0
Employer to EPF (3.67%)₹0
Employer to EPS (8.33%, capped ₹1,250)₹0
EPF Corpus Growth Over the Years
EPF Corpus
Total Contributions
Year-by-Year EPF Breakup
Year
Age
Monthly Basic
Annual Contribution
Interest Earned
Closing Balance
📄 Your Numbers Inside the PDF Report
EPF Corpus at Retirement—
Interest Earned—
Monthly EPS Pension—
✓ EPF corpus growth chart
✓ Full year-by-year table
✓ EPS pension calculation
✓ Contribution split analysis
✓ 5 personalised action steps
✓ Share-ready PF report
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ⓘ EPF interest rate 8.25% p.a. (FY 2024-25). EPS pension capped at pensionable salary ₹15,000. Actual corpus depends on EPFO rates declared each year. Consult your HR for employer EPS contribution details.
Frequently Asked Questions
How is EPF contribution calculated? +
Both employee and employer contribute 12% of basic salary + DA. Employee's 12% goes entirely to EPF. Employer's 12% is split: 8.33% to EPS (capped at ₹15,000 basic = max ₹1,250/month to EPS) and remaining 3.67% to EPF. Current EPF interest rate is 8.25% p.a. (FY 2024-25).
What is the EPS pension formula? +
Monthly EPS pension = (Pensionable Salary × Pensionable Service) ÷ 70. Pensionable salary is capped at ₹15,000 (average of last 60 months). Minimum 10 years of service required. Maximum pensionable service is 35 years. So max pension = (15,000 × 35) ÷ 70 = ₹7,500/month.
What is the current EPF interest rate? +
EPFO declared 8.25% p.a. for FY 2024-25, up from 8.15% in FY 2022-23. Interest is calculated monthly on the running balance but credited at year-end. The rate is set by EPFO's Central Board of Trustees each year and varies based on the corpus returns.
Can I withdraw EPF before retirement? +
Yes — partial withdrawals are allowed for home purchase, medical emergencies, marriage, and education after specified service years. Full withdrawal is allowed on retirement at 58 or after 2 months of unemployment. If you have more than 10 years of service, EPS cannot be withdrawn — it converts to monthly pension.
Is EPF tax-free? +
EPF has EEE status under Old Regime: contributions up to ₹1.5L under Sec 80C are deductible, interest is tax-free (within limits), and maturity after 5 years of service is tax-free. However, employee contributions above ₹2.5L/year will have interest taxed from FY 2021-22. Withdrawals before 5 years of service are taxable.