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EPF Calculator

Estimate your Employees' Provident Fund (EPF) balance at retirement at the 8.25% rate, with employee and employer contributions and the EPS pension split.

Interest (8.25% for FY 2025-26) is worked out monthly and credited at the end of each year.

Frequently asked questions

What is the EPF interest rate?

8.25% for FY 2025-26, the same as the previous two years.

Is EPF withdrawal tax-free?

Yes, after 5 years of continuous service. Interest on employee contributions above ₹2.5 lakh a year is taxable.