Stax

حاسبة EPF

تقدير صندوق ادخار الموظف عند التقاعد. يحتسب المساهمات الشهرية والزيادات السنوية ومعدل الفائدة الحالي.

Excludes HRA and other allowances.

Govt.-set, currently 8.25%.

What is an EPF calculator?

An EPF calculator projects your Employee Provident Fund corpus at retirement, given your current basic salary, age, retirement age, EPF rate, and expected annual salary hike. It accounts for the combined 15.67% contribution (12% employee + 3.67% employer EPF share).

EPF as the foundation of Indian retirement planning

For most salaried Indians, EPF is the largest single retirement asset. ₹30,000 monthly basic at 8.25% with 8% annual hikes over 30 years builds a corpus of ~₹4.5 crore. It's automatic, tax-efficient, government-backed — and the most underrated wealth-building vehicle for the Indian middle class.

Don't rely on EPF alone

EPF alone rarely covers a 30-year retirement at typical Indian inflation (5–6%). Pair it with: PPF (extra ₹1.5 lakh/year), NPS (extra tax break + market-linked returns), and equity mutual funds via SIP. The mix is what beats inflation; EPF is the floor, not the ceiling.

الأسئلة الشائعة

How does EPF contribution work?
Employee contributes 12% of basic + DA monthly. Employer also contributes 12% — but only 3.67% goes to EPF; the remaining 8.33% goes to EPS (pension). So total EPF contribution = 15.67% of basic. EPS is a separate scheme handled differently.
What is the current EPF interest rate?
8.25% p.a. for FY 2024-25, declared annually by EPFO based on its investment portfolio. Interest is credited annually, compounded monthly. The rate has ranged from 8.10% to 8.65% over the past decade.
Is EPF tax-free?
Mostly yes. Employee contribution qualifies for Section 80C (₹1.5 lakh cap). Interest and maturity withdrawal are tax-free if you continue 5+ years of service. Withdrawal before 5 years is fully taxable. Post-Budget 2021, interest on contributions above ₹2.5 lakh/year (Tier I) is taxable.
Can I withdraw EPF before retirement?
Yes, in specific cases — unemployment for 60+ days (75% withdrawal), home purchase, medical emergency, education, marriage, or reaching age 58. Full withdrawal at 58 or post-retirement. The UAN portal lets you initiate online claims.
EPF vs PPF vs NPS — which gives more?
EPF: ~8.25%, employer matches, partial liquidity. PPF: ~7.1%, no match, fully liquid at 15. NPS: 9–12% (market-linked), tax break of ₹50k extra under 80CCD(1B). For salaried employees, EPF is automatic and high-yielding; pair with PPF or NPS for extra retirement firepower.

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