EPFO 8.25% Interest Rate Benchmark
Employees' Provident Fund (EPF) Calculator
Calculate your retirement corpus accumulated under the Employees' Provident Fund Scheme. Models 12% employee contribution, 3.67% employer share, annual salary increments, and compounding interest.
Projected EPF Retirement Corpus (Age 58)
₹2,64,69,621
In 30 years of service | Total Interest Accrued: ₹1,74,38,418
Your Contribution (12%)
₹68,01,177
Total employee share deposited
Employer Share (3.67%)
₹20,80,027
Company contribution to EPF
Career & Salary Parameters
₹
7%
₹
Year-by-Year Growth Schedule (5-Year Snapshots)
AgeMonthly BasicAnnual DepositAccumulated Corpus
33 Yrs₹65,540₹1,23,241₹8,79,751
38 Yrs₹91,923₹1,72,852₹22,28,857
43 Yrs₹1,28,927₹2,42,433₹46,05,010
48 Yrs₹1,80,826₹3,40,026₹86,57,053
53 Yrs₹2,53,618₹4,76,904₹1,54,09,533
58 Yrs₹3,55,713₹6,68,883₹2,64,69,621
EPF vs EPS Breakdown:Of the 12% employer contribution, 8.33% goes towards the Employee Pension Scheme (EPS) (statutorily capped at ₹1,250/mo on ₹15,000 wage ceiling), and the balance 3.67% is credited into your EPF corpus account. The entire 12% employee contribution is credited directly to EPF.