EPFO Rate FY 2025-26 · 8.25% p.a.
EPF Calculator 2026
Calculate Your Provident Fund Maturity Amount Online
Enter your basic salary, DA, and EPFO's current 8.25% interest rate to get an accurate estimate of your PF maturity amount, total interest earned, and monthly EPS pension — free, instant, and with no login required.
- PF Maturity
Amount - Monthly
Interest - EPS Pension
Calculation - Salary Hike
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Your EPF Results
This calculator gives an estimate only. Your actual numbers may vary slightly based on your EPFO passbook, wage revisions, and the exact rate declared by the CBT for each year.
Contribution Breakdown (first month)
| Component | Employee | Employer | Total |
|---|---|---|---|
| EPF (employee %) | ₹3,000 | ₹0 | ₹3,000 |
| EPS (8.33%) | ₹0 | ₹1,250 | ₹1,250 |
| EPF (employer residual) | ₹0 | ₹1,751 | ₹1,751 |
| Total Monthly Contribution | ₹6,000 | ||
Note: Employer's 8.33% goes to EPS (Pension, max ₹1,250/month) and the residual goes to EPF. Interest is earned only on the EPF portion.
How This EPF Calculator Works
Monthly contributions are added — The employee's 12% plus the employer's EPF-only portion (12% minus the EPS share) are added to the balance every month.
Interest accrues monthly, credited yearly — Interest is calculated each month on the running balance at one-twelfth of the annual rate, but added to your corpus only once a year — matching EPFO's method.
Salary hikes are applied annually — Your salary increases every 12 months by the increment percentage you enter, which raises future contributions too.
The EPS portion is tracked separately — The share that goes to the pension fund is kept apart from your EPF balance because it doesn't earn interest; it converts into pension instead.
The simulation runs to retirement — This process repeats from your current age to your chosen retirement age (default 58) and produces your final maturity value.
What is EPF?
The Employees' Provident Fund (EPF) is a government-backed retirement savings scheme administered by the Employees' Provident Fund Organisation (EPFO).
Every month, a fixed percentage is deducted from your salary and credited to your EPF account, and your employer contributes a matching amount. This corpus grows with annual interest and can be withdrawn at retirement, on a job change, or for specific emergencies.
EPF registration is mandatory for any organisation with 20 or more employees, and EPF membership is compulsory for employees whose basic pay is up to ₹15,000 per month. From 2026, EPF is governed by the Employees' Provident Funds Scheme, 2026, notified under the Code on Social Security, 2020, which replaced the earlier EPF Scheme, 1952, while keeping the core contribution structure unchanged.
EPF Contribution Rules — Employee vs Employer Split
Total EPF contribution is 12% from the employee and 12% from the employer, but the employer's share is actually split between two funds — EPF and EPS (pension fund). Understanding this split matters because it directly determines your final maturity amount.
| Contributor | Rate | Goes into |
|---|---|---|
| Employee | 12% of Basic + DA | Entirely into the EPF account |
| Employer | 3.67% of Basic + DA | EPF account |
| Employer | 8.33% (max ₹1,250/month) | EPS — Pension Scheme |
| Employer (extra) | 0.50% | EDLI — insurance cover |
EPF Interest Rate History
The EPF interest rate is set every year by EPFO's Central Board of Trustees (CBT) and then ratified by the Ministry of Finance.
| Financial Year | Interest Rate |
|---|---|
| 2025-26Current | 8.25% |
| 2024-25 | 8.25% |
| 2023-24 | 8.25% |
| 2022-23 | 8.15% |
| 2021-22 | 8.10% |
| 2020-21 | 8.50% |
Why Use This Calculator
- Accurate EPS split
Correctly divides the employer's contribution between EPF and EPS — something most calculators skip.
- Salary-hike factor
Includes annual increments for a realistic estimate, instead of assuming a flat salary for decades.
- Pension estimate included
Shows your projected monthly EPS pension after retirement, not just the EPF maturity amount.
- No login, no data stored
The entire calculation runs in your browser — no salary details are sent or saved anywhere.
Latest EPFO Updates in 2026 You Should Know
EPFO has rolled out several reforms through 2026 that make PF access faster and more digital, even though the core contribution and interest calculation rules remain the same:
- EPF Scheme, 2026: Notified under the Code on Social Security, 2020, this replaced the decades-old EPF Scheme, 1952, while retaining the 12%-12% contribution structure and the ₹15,000 wage ceiling.
- 3-day claim settlement: Eligible withdrawal claims with complete documentation are now targeted for settlement within three days instead of the earlier 20-day window.
- Higher auto-settlement limit: The auto-settlement ceiling for eligible claims has been raised from ₹1 lakh to ₹5 lakh, allowing larger withdrawals without manual approval.
- Reduced employer dependency: For most claims, employer attestation is being phased out in favour of Aadhaar-OTP based self-certification, provided your KYC is complete.
- Penal interest on delays: If a complete claim isn't settled within the prescribed window without valid reason, penal interest of 12% per annum now accrues on the benefit amount.
- Digital-first account management: UAN activation, PF transfers, and passbook access are moving further onto EPFO's digital platforms such as UMANG, with UPI-based withdrawals expected to roll out progressively.
Why EPF Matters So Much For Your Financial Future
EPF isn't just a payroll deduction — for most salaried employees in India, it becomes the single largest retirement corpus they build, backed by safe returns and real tax benefits.
Guaranteed, risk-free returns
Your EPF balance is independent of stock-market swings — a market crash has no direct effect on your declared interest.
The power of compounding
Monthly interest combined with rising annual contributions lets the corpus grow exponentially, especially if you start in your early twenties.
Triple tax benefit (EEE status)
Contributions, interest, and maturity proceeds are all tax-exempt, provided you complete 5 years of continuous service.
A lifetime pension through EPS
Alongside your EPF corpus, EPS guarantees you a monthly pension after retirement — a separate, ongoing income stream.
Emergency liquidity
Partial withdrawals are allowed for specific needs like medical emergencies, home purchase, or higher education.
Forced, disciplined saving
Because it's deducted automatically from your salary, EPF builds a consistent retirement habit most people wouldn't maintain on their own.
EPF isn't just an investment — it's security for your future.
EPF Calculator – Frequently Asked Questions
Still have a question? Get in touch
EPFO has fixed the EPF interest rate for FY 2025-26 at 8.25%, unchanged for the third consecutive year. It's decided by the Central Board of Trustees (CBT) and ratified by the Ministry of Finance before being credited to accounts.
The employee contributes 12% of Basic + DA to EPF. The employer also contributes 12% — but only 3.67% of it goes into the EPF account, while 8.33% (capped at ₹1,250/month) goes into the EPS pension fund.
Interest accrues monthly on the closing balance at one-twelfth of the annual rate, but it's actually credited once a year at the end of the financial year. Interest applies only to the EPF portion, not to EPS.
Withdrawing your EPF balance before completing 5 years of continuous service makes it taxable. After 5 years of continuous service, withdrawal is completely tax-free.
EPS is a defined-benefit pension scheme with its own formula: Pension = (Pensionable Salary × Pensionable Service) ÷ 70. It earns no interest — instead it pays a fixed monthly pension after retirement, unlike EPF, which is a straightforward interest-earning savings account.
Yes — through the Voluntary Provident Fund (VPF), you can contribute up to 100% of your eligible salary to EPF, and it earns the same EPF interest rate, making it a high-return, tax-free savings option.
The Employees' Provident Funds Scheme, 2026, notified under the Code on Social Security, 2020, replaced the EPF Scheme, 1952. It keeps the same contribution structure and wage ceiling, while introducing 3-day claim settlement for eligible claims and raising the auto-settlement limit to ₹5 lakh.
This calculator is for estimation purposes only and does not constitute financial or tax advice. For your official, up-to-date EPF balance, please check your EPFO passbook on the member portal (epfindia.gov.in).