CalcInfinityEPF Calculator
Calculate how much your Employee Provident Fund will be worth by retirement.
Worked Example — ₹35,000 basic salary, 20 years
Frequently Asked Questions
You contribute 12% and your employer also contributes 12% — split between EPF and EPS. Employers typically pay an additional ~1% toward EDLI (insurance) and administration charges, which is sometimes why the employer's total outgo is quoted closer to 13% — but that extra 1% doesn't add to your EPF or EPS corpus.
Common Mistakes to Avoid
- Your employer's 12% doesn't all land in your EPF account. 8.33% of basic salary (capped at ₹1,250/month, based on the ₹15,000 wage ceiling) is diverted to the Employees' Pension Scheme (EPS) instead. Only the remainder of the employer's contribution, plus your own full contribution, actually compounds inside your EPF balance.
- This isn't your monthly pension amount — EPS pension uses a separate formula. The EPS Contribution shown here is how much money is diverted toward your pension scheme, not the pension you'll actually receive. The real pension is a defined-benefit calculation (Pensionable Salary × Pensionable Service ÷ 70, subject to its own caps), unrelated to simply accumulating the diverted amount.
References
- EPFO — Employees' Provident Fund Organisation contribution and interest rate notifications
Last reviewed July 2026
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