EPF / PF Calculator
Employee Provident Fund · 8.25% Interest Rate · EPS Pension · FY 2026-27
🏦 EPF Account
🧓 EPS Pension Account
| Component | Amount |
|---|---|
| Total Employee Contribution (12%) | |
| Total Employer EPF Contribution (3.67%) | |
| Total Employer EPS Contribution (8.33%) | |
| Total Interest on EPF | |
| Service Period | |
| EPF Maturity Amount |
| Year | Basic Salary/mo | Emp. Contribution | Emp. EPF Share | Interest | Closing Balance |
|---|
📊 EPF Calculator India 2026 — Employee Provident Fund
Use this free EPF Calculator to estimate your Provident Fund maturity amount, total interest, and EPS pension at retirement. The current EPF interest rate is 8.25% for FY 2025-26 as declared by EPFO. This is one of India's safest and highest-return government-backed retirement tools.
📈 EPF Interest Rate History
| Financial Year | EPF Interest Rate |
|---|---|
| FY 2025-26 | 8.25% |
| FY 2024-25 | 8.25% |
| FY 2023-24 | 8.25% |
| FY 2022-23 | 8.15% |
| FY 2021-22 | 8.10% |
| FY 2020-21 | 8.50% |
🧮 How EPF Contribution Works
Both employee and employer contribute 12% of Basic Salary + DA each month. However, the employer's 12% is split into two parts:
- ✔ 3.67% goes to EPF (Employee Provident Fund account) — earns interest
- ✔ 8.33% goes to EPS (Employee Pension Scheme) — builds monthly pension entitlement
EPS contribution is capped at ₹1,250/month (8.33% of ₹15,000 ceiling). The full employee 12% goes into EPF.
🏦 EPF Tax Treatment (FY 2026-27)
- ✔ Employee contribution: Deductible under Section 80C (up to ₹1.5 lakh) — Old Regime only
- ✔ Employer contribution: Tax-free up to 12% of salary or ₹7.5 lakh/year (whichever is less)
- ✔ Interest: Tax-free on employee contribution up to ₹2.5 lakh/year; taxable above ₹2.5 lakh
- ✔ Maturity: Fully tax-free if withdrawn after 5 continuous years of service
- ⚠️ Early withdrawal (before 5 years): Taxable as income + TDS at 10% if > ₹50,000
🧓 EPS Pension Calculation Formula
Monthly Pension = (Pensionable Salary × Pensionable Service) ÷ 70
- Pensionable Salary: Average of last 60 months' basic salary (capped at ₹15,000)
- Pensionable Service: Total years of EPS membership
- Minimum qualifying service: 10 years
- Minimum pension: ₹1,000/month
📌 Key EPF Rules to Know (2026)
- ✔ Universal Account Number (UAN): Stays the same across all employers — link it to Aadhaar
- ✔ Withdrawal: Full withdrawal allowed at retirement (58 years) or after 2 months of unemployment
- ✔ Advance withdrawal: Allowed for home purchase, marriage, medical emergency
- ✔ Interest on inoperative accounts: EPF accounts inactive for 3+ years still earn interest
- ✔ VPF (Voluntary PF): You can contribute more than 12% — entire amount earns EPF interest rate
- ✔ EDLI: ₹7 lakh insurance coverage for EPF members at no extra cost
💡 VPF — Voluntary Provident Fund
If you want to invest more in EPF beyond the mandatory 12%, you can opt for Voluntary Provident Fund (VPF). The extra contribution earns the same 8.25% EPF interest rate and is also eligible for Section 80C deduction. VPF is one of the safest and highest-return fixed-income instruments available to salaried employees.
❓ Frequently Asked Questions — EPF Calculator India
1. What is the current EPF interest rate for 2026?
The EPF interest rate for FY 2025-26 is 8.25% per annum, as declared by EPFO's Central Board of Trustees. This rate applies to all EPF members.
2. How is EPF interest calculated?
EPF interest is calculated monthly on the running balance but credited annually to the account on March 31. The monthly rate is the annual rate divided by 12.
3. Is EPF withdrawal tax-free?
Yes, EPF withdrawal is fully tax-free if you have completed 5 continuous years of service. Withdrawal before 5 years is taxable, and TDS at 10% is deducted if the withdrawal exceeds ₹50,000.
4. What is the difference between EPF and EPS?
EPF (Employee Provident Fund) is a retirement savings corpus that earns interest. EPS (Employee Pension Scheme) is the pension component — it creates a monthly pension entitlement after retirement. Both are funded from the employer's 12% contribution.
5. Can I check my EPF balance online?
Yes. Log in to the EPFO member portal (passbook.epfindia.gov.in) using your UAN and password to view your EPF passbook and current balance. You can also check via the UMANG app or by giving a missed call to 011-22901406.
6. What happens to EPF if I change jobs?
Your UAN (Universal Account Number) remains the same. You can transfer your EPF balance to your new employer's EPF account using the EPFO portal, ensuring continuity of your 5-year service count for tax-free withdrawal.
7. What is the maximum EPF tax-free interest limit?
From FY 2021-22 onwards, EPF interest on employee contributions exceeding ₹2.5 lakh/year is taxable. For government employees, this limit is ₹5 lakh/year. Interest on employer contributions remains tax-free up to ₹7.5 lakh/year.
👉 EPF interest rate 8.25% is for FY 2025-26 as declared by EPFO. EPS pension is an estimate based on the formula and may vary based on actual service records. Verify your EPF balance at epfindia.gov.in. Last updated: April 2026.