Project your Employees' Provident Fund (EPF) corpus at retirement. Calculates employee and employer contributions, the EPS pension split, EPFO interest, and a year-wise balance projection with charts and CSV export.
Last updated
Jul 2026
Reviewed by
EasyTechLabs Finance Team
Calculation method
Documented in “How this is calculated” below
Official sources
EPFO, Employees' Provident Funds & Misc. Provisions Act, 1952, Ministry of Labour & Employment, Income Tax Department
Formula
Employee 12% + Employer (12% − EPS) → EPF corpus · EPS = 8.33% × min(wages, ₹15,000) · interest on monthly running balance, credited yearly
Calculation method
Projects the EPF corpus to retirement. The employee contributes 12% of wages (Basic + DA) and the employer 12%, of which 8.33% (capped at the ₹15,000 wage ceiling) goes to the EPS pension pool and the rest to EPF. Interest is calculated on the monthly running balance at the EPFO rate ÷ 12 and credited at the end of each financial year (no intra-year compounding). Wages grow by an assumed annual increment.
Assumptions
Limitations
Official sources & references