EPF Maturity Calculator

Employees' Provident Fund corpus at retirement

₹50,000
₹
28
58
8%
%

Average yearly salary hike

8.25%
%

EPFO declares annually (8.25% for FY 2024-25)

EPF Corpus at Retirement
₹4,31,40,685
+₹2,72,77,722 interest earned
Invested Returns
Total Contributions₹1,58,62,962
Interest Earned₹2,72,77,722
Final Corpus₹4,31,40,685
What this means for you
Employee 12% basic + employer 12% basic; of the employer share, ₹1,250/month (8.33% of ₹15K) goes to EPS (pension), the rest joins your EPF corpus. EPF is EEE-taxed if held 5+ years continuously. Contributions above ₹2.5L/year earn taxable interest on the excess (Budget 2021).
What to do next
Compare PPF vs EPF vs NPSCTC to in-hand
EPFO declares the rate annually. Assumes continuous employment (transfer UAN across job changes).
EPFO interest rate FY 2024-25 (8.25%)
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Year-by-Year Breakdown
₹0₹1.0Cr₹2.0Cr₹3.0Cr₹4.0Cr₹5.0CrYr 1Yr 7Yr 13Yr 18Yr 24Yr 30
InvestedInvestment value
YearInvestedReturnsValue
1₹1,29,006₹10,643₹1,39,649
2₹2,69,532₹33,757₹3,03,289
3₹4,22,500₹71,399₹4,93,898
4₹5,88,904₹1,25,874₹7,14,778
5₹7,69,821₹1,99,768₹9,69,589
6₹9,66,410₹2,95,978₹12,62,388
7₹11,79,926₹4,17,740₹15,97,666
8₹14,11,722₹5,68,671₹19,80,393
9₹16,63,262₹7,52,805₹24,16,068
10₹19,36,125₹9,74,642₹29,10,767
11₹22,32,016₹12,39,191₹34,71,208
12₹25,52,778₹15,52,029₹41,04,807
13₹29,00,401₹19,19,354₹48,19,755
14₹32,77,033₹23,48,056₹56,25,089
15₹36,84,994₹28,45,783₹65,30,777
16₹41,26,793₹34,21,020₹75,47,813
17₹46,05,134₹40,83,178₹86,88,313
18₹51,22,943₹48,42,683₹99,65,626
19₹56,83,376₹57,11,083₹1,13,94,459
20₹62,89,843₹67,01,159₹1,29,91,002
21₹69,46,027₹78,27,052₹1,47,73,079
22₹76,55,905₹91,04,396₹1,67,60,301
23₹84,23,773₹1,05,50,470₹1,89,74,243
24₹92,54,269₹1,21,84,361₹2,14,38,630
25₹1,01,52,405₹1,40,27,144₹2,41,79,550
26₹1,11,23,592₹1,61,02,080₹2,72,25,672
27₹1,21,73,673₹1,84,34,830₹3,06,08,502
28₹1,33,08,959₹2,10,53,692₹3,43,62,652
29₹1,45,36,269₹2,39,89,864₹3,85,26,133
30₹1,58,62,962₹2,72,77,722₹4,31,40,685
End₹1,58,62,962₹2,72,77,722₹4,31,40,685
Formula & SourceEPF Maturity Calculator
For each working year:
  employee = basic × 12 × 12%
  EPS share = MIN(basic, 15000) × 12 × 8.33%
  employer EPF = basic × 12 × 12% − EPS share
  balance = (balance + employee + employer EPF) × (1 + R/100)
  basic = basic × (1 + growth/100)

EPS pension is paid separately and not part of this corpus.
Source: EPF Act 1952; EPS 1995; EPFO interest rate notifications

Frequently Asked Questions

EPF is your retirement corpus (yours to withdraw). EPS is a pension scheme — employer pays 8.33% of wages up to ₹15K (i.e. max ₹1,250/month) into it. EPS pays a small monthly pension after 58.
Yes, if you have 5+ years of continuous service (across employers via UAN transfer). Premature withdrawal before 5 years is taxable.
Yes — VPF (Voluntary Provident Fund) lets you contribute up to 100% of basic. Earns EPF rate, same tax treatment.
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