CalcEPF/PF Maturity & Withdrawal Calculator
Calculate your Employee Provident Fund (EPF) maturity amount, interest accumulated, and estimate withdrawal rules and caps.
EPF Maturity Amount
Formula & Calculation
EPF Maturity = Initial Balance + Monthly Contributions + Compound Interest (8.25%)- Employee Share: 12% of basic salary contributed towards retirement.
- Employer Share: 3.67% of basic salary contributed towards EPF.
- EPF Interest Rate: EPFO rate of interest (compounded annually).
How to Use
- Enter your current basic monthly salary.
- Enter your existing EPF account balance.
- Enter your tenure to retirement (in years).
- View your total retirement corpus, contributions, and interest accumulated.
Frequently Asked Questions
What is the current EPF interest rate in India?
The EPF interest rate is determined annually by the EPFO. For recent financial years, the interest rate stands around 8.15% to 8.25%.
How much do the employee and employer contribute to EPF?
Both contribute 12% of the basic salary. The employee's 12% goes fully to the EPF. The employer's contribution is split: 8.33% to EPS (Pension) and 3.67% to EPF.
Is EPF withdrawal taxable?
EPF withdrawals are fully tax-free if the employee completes 5 years of continuous service. Withdrawals before 5 years attract TDS unless specific criteria are met.
When can I withdraw my full EPF amount?
You can withdraw the full amount upon retirement or if you remain unemployed for more than 2 months after leaving a job.
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