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About this calculator
You and your employer each put 12% of basic pay into EPF every month. Project how large it could be by retirement.
How is this calculated?
Each month 12% (yours) plus 3.67% (employer’s EPF share) of basic pay is added. Interest is calculated on the running monthly balance at the yearly rate ÷ 12 and credited once a year. Basic pay rises once a year.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.