EPF

Employees’ Provident Fund: what you and your employer put in each month, and what it grows to by retirement.

EPF at retirement

Your EPF reaches ₹3.1Cr by 58

You put in ₹58.1L, your employer ₹53.9L, and interest adds ₹1.96Cr. Your employer also pays into the EPS pension, which isn’t counted here.

Basic + DA a month

₹

Your age

yrs

Retire at

yrs

Yearly pay rise

EPF interest rate

8.25% declared for FY 2025-26.

Balance today

₹

Voluntary PF (VPF)

Extra you choose to add, % of basic.

You, this month

₹6,000

12% of basic

Employer to EPF

₹4,751

Employer to EPS

₹1,250

pension, not in this total

EPF balance by age

Your age

Show the numbers as a table

EPF balance by age: data
Age	Balance
30	₹2,00,000
31	₹3,51,271
32	₹5,25,552
33	₹7,25,479
34	₹9,53,957
35	₹12,14,184
36	₹15,09,683
37	₹18,44,330
38	₹22,22,389
39	₹26,48,547
40	₹31,27,957
41	₹36,66,277
42	₹42,69,725
43	₹49,45,121
44	₹56,99,955
45	₹65,42,439
46	₹74,81,581
47	₹85,27,256
48	₹96,90,287
49	₹1,09,82,532
50	₹1,24,16,979
51	₹1,40,07,852
52	₹1,57,70,721
53	₹1,77,22,629
54	₹1,98,82,223
55	₹2,22,69,904
56	₹2,49,07,983
57	₹2,78,20,857
58	₹3,10,35,196

How this is calculated

Each month, 12% of basic + DA goes in from you and the employer’s share (12% minus EPS) from them. Interest is worked out monthly on the running balance at 8.25% ÷ 12 and credited at the year end.

employer EPF = 12% × basic − 8.33% × min(basic, ₹15,000)
interest = Σ monthly balance × 8.25% ÷ 12

Interest on your own contributions above ₹2.5 lakh a year is taxable; the withdrawal is tax-free after 5 years of service. Many employers contribute 12% on a capped wage of ₹15,000 instead: check your payslip.