EPF Cal
EPF Calculator
Our free EPF calculator helps you calculate EPF interest and maturity amount for retirement planning. Use this PF calculator to determine your employee provident fund growth with accurate calculation of PF on salary. Perfect for EPF investment planning, this PF interest calculator works as both an EPF calculator retirement tool and monthly PF calculator. Whether you need employee PF calculation for Indian EPF schemes or KWSP investment calculator features, our tool provides accurate projections for your provident fund accumulation.
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EPF Calculator Results
EPF Maturity Amount
After 0 years of investment
Contribution & Interest Breakdown
Current Monthly Contributions
Projected Final Year
Calculation Formula
Current Monthly Contributions:
Employee Contribution: Salary × 12% = ₹25,000 × 12% = ₹3,000
Employer EPF Contribution: 3.67% of Salary = ₹25,000 × 3.67% = ₹918
Employer EPS Contribution: 8.33% × min(Salary, ₹15,000) = 8.33% × min(₹25,000, ₹15,000) = ₹1,250
Total Monthly EPF: Employee + Employer EPF = ₹3,000 + ₹918 = ₹3,918
Projected Final Year Calculations:
Final Salary: Starting Salary × (1 + Growth Rate)^Years = ₹25,000 × (1.06)^0 = ₹0
Final Employee Contribution: Final Salary × 12% = ₹0 × 12% = ₹0
Final Employer EPF: 3.67% of Final Salary = ₹0 × 3.67% = ₹0
Final Employer EPS: 8.33% × min(Final Salary, ₹15,000) = 8.33% × min(₹0, ₹15,000) = ₹0
Final Monthly EPF Total: Final Employee + Final Employer EPF = ₹0 + ₹0 = ₹0
Calculation Method:
Starting Point: Current EPF Balance: ₹10,000
Monthly Interest Rate: 8.25% ÷ 12 = 0.6875%
Investment Period: 0 years (0 months)
Salary Growth: 6% per year, compounded annually
Interest Compounding: Monthly on total balance
EPFO Rule: No interest for first month's contribution
Final Results:
Total Contributions: ₹0
Interest Earned: ₹0
Maturity Amount: ₹0
Step-by-Step Guide
How to use the EPF calculator?
Use our EPF calculator as your PF calculator for accurate employee provident fund planning. Calculate EPF interest, maturity amount, and plan your retirement with this EPF investment calculator in 4 simple steps:
Enter Salary & EPF Balance
Input your monthly basic salary plus dearness allowance and current EPF balance. Our PF calculator uses this for accurate calculation of PF on salary. Leave EPF balance as 0 if you're a new employee starting EPF contributions.
Set Age & Retirement Details
Enter your current age and planned retirement age. This EPF investment calculator determines your investment timeline for EPF calculator retirement planning. The longer the investment period, the higher your maturity amount through compound interest.
Configure Contribution Parameters
Set your employee contribution rate (default 12% for most companies, 10% for smaller firms or designated industries like Brick, Beedi, Jute). Adjust expected annual salary increment to get realistic projections. This monthly PF calculator accounts for salary growth over time.
Calculate EPF Interest & Maturity
Get comprehensive results showing EPF maturity amount, total contributions, and interest earned. Our PF interest calculator breaks down employee PF calculation with current EPF interest rates for accurate retirement planning.

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Frequently asked questions
Visit our full FAQ page or get in touch with Frederic, Co-Founder of PayrollRabbit.
- An EPF calculator is a free online tool that helps you calculate EPF interest and maturity amount for retirement planning. Our PF calculator determines your employee provident fund growth based on salary, contribution rates, and investment timeline. It's essential for EPF investment planning and understanding calculation of PF on salary over time.
- Yes, our EPF calculator is completely free to use. You can perform unlimited EPF calculations to plan your retirement and calculate EPF interest without any charges. Perfect for employees, HR teams, and financial planners using this PF interest calculator for provident fund planning.
- Formula: Monthly EPF = (Salary × Employee Rate%) + (Salary × 3.67%), with EPS portion capped at ₹1,250 for salaries ≥ ₹15,000, compounded over investment period with salary increments.
- EPF contributions follow specific rules: Employee contributes 12% of salary to EPF. Employer contributes 12% total, split as: 3.67% to EPF and 8.33% to EPS (EPS capped at ₹1,250 for salaries ≥ ₹15,000). Our PF calculator automatically applies these caps and rules for accurate employee PF calculation results.
- Employee PF calculation varies by company size. Companies with 20+ employees: 12% employee contribution. Companies with <20 employees or designated industries (Brick, Beedi, Jute): 10% contribution. Our monthly PF calculator allows you to adjust contribution rates accordingly for accurate EPF calculations.
- Yes, our EPF calculator retirement tool includes expected annual salary increments. You can set realistic salary growth (typically 0-15% annually) to project accurate EPF maturity amounts. This makes our calculation of PF on salary more realistic for long-term retirement planning with compound growth effects.
- Our PF interest calculator uses the current EPF interest rate of 8.25% per annum for FY 2024-25, as set by EPFO. This rate is applied monthly for compound interest calculations. EPF interest rates are reviewed annually by the government, so this EPF calculator provides estimates based on current rates.
- While designed primarily for Indian EPF, you can adapt this KWSP investment calculator by adjusting contribution rates and interest rates to match Malaysian EPF rules. However, for accurate KWSP calculations, use Malaysia-specific rates and contribution structures as they differ from Indian EPF schemes.
What is an EPF calculator?
Is the PF calculator free to use?
How does the EPF investment calculator work?
What are the EPF contribution caps and limits?
How is employee PF calculation done for different company sizes?
Does the EPF calculator retirement planning include salary growth?
What is the current EPF interest rate used in calculations?
Can I use this EPF calculator for KWSP (Malaysia)?
Disclaimer: We have taken great care and gave our best effort to ensure the accuracy of the information provided by this EPF Calculator. However, PayrollRabbit does not accept responsibility for any errors or omissions and makes no guarantees or warranties regarding the correctness of the results generated by this free tool. By using this tool, you agree not to hold PayrollRabbit liable for any consequences, issues, or damages arising from any inaccuracies in the results produced. We recommend double-checking all results and contact us if you have any questions, feedback or concerns.