EPF Calculator
Calculate Employee Provident Fund corpus and pension
1,50020,00,000
EPF contribution: ₹1,800/month each (Employee + Employer)
Basic salary percentage: 60.0%
Enter existing PF balance if transferring from previous employer
0.7120
Current EPF rate: 8.5% (FY 2024-25)
0.3150
VPF: Voluntary Provident Fund for additional savings
Advanced Options
💡 EPF Key Benefits
- • Triple exemption (EEE) - completely tax-free
- • Employer matching contribution (12% each)
- • Government-guaranteed returns
- • Additional pension through EPS
- • Loan facility available against PF balance
EPF Calculation Results
Total EPF Corpus:₹0
Employee Contribution:₹0
Employer Contribution:₹0
Interest Earned:₹0
Monthly EPS Pension:₹0
Annual Tax Savings:₹0
EPF Corpus Breakdown
Withdrawal Scenarios
EPF Optimization Strategy
Maximizing Benefits
- • Ensure employer provides EPF facility
- • Consider VPF for additional tax-free savings
- • Transfer PF when changing jobs to maintain continuity
- • Avoid premature withdrawals to maximize returns
- • Monitor interest rate declarations annually
Withdrawal Planning
- • Complete 5 years for tax-free withdrawal
- • Plan EPS pension for additional income
- • Consider partial withdrawals for emergencies only
- • Understand tax implications of early withdrawal
- • Keep nomination updated for family security