A EPF calculator is a free online tool that gives you instant results without any signup or fees. It covers PF calculator, provident fund, EPFO and more — all in one place.
EPF Calculator India 8.25%
Calculate your EPF corpus using 8.25% interest rate for FY 2025-26 declared by EPFO. Shows employee and employer contributions separately.
EPF Interest Rate 2025-26
EPFO declared 8.25% interest for FY 2025-26. This EPF calculator uses the current official rate for all calculations.
EPF vs NPS Calculator
EPF gives guaranteed 8.25%. NPS gives market-linked 10-12% but withdraws differently. Our EPF calculator helps you see the difference.
EPF Withdrawal Calculator
After 5 years of service, full EPF withdrawal is tax free. Use this calculator to estimate your EPF corpus before planning withdrawal.
How Employer Contributes to EPF
Your employer's 12% splits: 3.67% to EPF and 8.33% to EPS. Only 3.67% adds to your EPF balance — not the full 12%.
Frequently Asked Questions
What is the EPF interest rate for 2025-26?
EPFO declared 8.25% per annum for FY 2025-26. The EPF calculator on this page uses 8.25% as the default rate. You can change it to any rate to see different results.
How to calculate EPF balance?
Enter your basic salary plus DA, annual salary growth rate, years of service and EPF interest rate in the calculator above. It shows total employee contribution, employer EPF contribution, interest earned and final corpus.
Is EPF maturity amount tax free?
Yes. EPF maturity amount is completely tax free if you have completed 5 or more years of continuous service. Withdrawal before 5 years attracts TDS at 10% if PAN is provided, 30% if not.
What is UAN in EPF?
UAN is your Universal Account Number — a 12 digit number that stays with you across all jobs. Activate it on epfindia.gov.in using your Aadhaar, PAN and bank details to check EPF balance online.
How much does the employer contribute to EPF?
Employer contributes 12% of basic salary plus DA. Of this, 3.67% goes to your EPF account and 8.33% goes to EPS (pension scheme). So only 3.67% of employer contribution adds to your EPF balance.