Income Tax Calculator
Compare old vs new regime tax for FY 2025-26 with slab-wise breakup, rebate, surcharge, and cess.
UseSalary and retirement benefit
EPF / PF Calculator India
Estimate provident fund maturity with employee PF, employer EPF, EPS diversion, salary growth, and annual interest.
8.25% EPF rate12% Employee12% Employer
Inputs
Provident fund planningEPF / PF Calculator details
Result
Live estimateEstimated PF balance
Employee contribution₹32,94,861Total deducted from salary.
Employer EPF₹29,94,981Employer share credited to EPF.
EPS diversion₹2,99,880Employer share diverted to pension scheme.
Interest earned₹76,60,879Estimated EPF interest.
Final monthly basic₹2,15,785After salary increment assumptions.
Opening balance₹2,50,000Current PF passbook balance.
Estimate only. EPFO rules, EPS treatment, wage ceiling, taxable contribution limits, passbook timing, and interest credit can change or vary by case.
CA check
Planning viewKey assumptions
Monthly basic + DA₹50,000PF contribution salary used in year one.
Salary increment8%Applied annually to basic + DA.
EPS wage ceiling₹15,000Used for simplified EPS diversion estimate.
Opening ₹2,50,000Employee ₹32,94,861Employer EPF ₹29,94,981Interest ₹76,60,879
Projection
20 rowsEPF yearly projection
Shows contribution split, EPS diversion, interest, and closing PF balance.
| Year | Monthly basic | Employee | Employer EPF | EPS | Interest | Closing PF |
|---|---|---|---|---|---|---|
| 1 | ₹50,000 | ₹72,000 | ₹57,006 | ₹14,994 | ₹27,336 | ₹4,06,342 |
| 2 | ₹54,000 | ₹77,760 | ₹62,766 | ₹14,994 | ₹41,261 | ₹5,88,129 |
| 3 | ₹58,320 | ₹83,981 | ₹68,987 | ₹14,994 | ₹57,409 | ₹7,98,506 |
| 4 | ₹62,986 | ₹90,699 | ₹75,705 | ₹14,994 | ₹76,053 | ₹10,40,963 |
| 5 | ₹68,024 | ₹97,955 | ₹82,961 | ₹14,994 | ₹97,494 | ₹13,19,374 |
| 6 | ₹73,466 | ₹1,05,792 | ₹90,798 | ₹14,994 | ₹1,22,070 | ₹16,38,033 |
| 7 | ₹79,344 | ₹1,14,255 | ₹99,261 | ₹14,994 | ₹1,50,153 | ₹20,01,702 |
| 8 | ₹85,691 | ₹1,23,395 | ₹1,08,401 | ₹14,994 | ₹1,82,154 | ₹24,15,653 |
| 9 | ₹92,547 | ₹1,33,267 | ₹1,18,273 | ₹14,994 | ₹2,18,531 | ₹28,85,724 |
| 10 | ₹99,950 | ₹1,43,928 | ₹1,28,934 | ₹14,994 | ₹2,59,790 | ₹34,18,377 |
| 11 | ₹1,07,946 | ₹1,55,443 | ₹1,40,449 | ₹14,994 | ₹3,06,490 | ₹40,20,758 |
| 12 | ₹1,16,582 | ₹1,67,878 | ₹1,52,884 | ₹14,994 | ₹3,59,249 | ₹47,00,769 |
| 13 | ₹1,25,909 | ₹1,81,308 | ₹1,66,314 | ₹14,994 | ₹4,18,752 | ₹54,67,143 |
| 14 | ₹1,35,981 | ₹1,95,813 | ₹1,80,819 | ₹14,994 | ₹4,85,754 | ₹63,29,528 |
| 15 | ₹1,46,860 | ₹2,11,478 | ₹1,96,484 | ₹14,994 | ₹5,61,089 | ₹72,98,580 |
| 16 | ₹1,58,608 | ₹2,28,396 | ₹2,13,402 | ₹14,994 | ₹6,45,680 | ₹83,86,058 |
| 17 | ₹1,71,297 | ₹2,46,668 | ₹2,31,674 | ₹14,994 | ₹7,40,543 | ₹96,04,943 |
| 18 | ₹1,85,001 | ₹2,66,401 | ₹2,51,407 | ₹14,994 | ₹8,46,801 | ₹1,09,69,553 |
| 19 | ₹1,99,801 | ₹2,87,713 | ₹2,72,719 | ₹14,994 | ₹9,65,691 | ₹1,24,95,677 |
| 20 | ₹2,15,785 | ₹3,10,730 | ₹2,95,736 | ₹14,994 | ₹10,98,578 | ₹1,42,00,722 |
EPF / PF Calculator India guide
Use this page for EPF calculator, PF calculator, provident fund calculator, EPF interest calculator, PF maturity calculator, and employee provident fund contribution calculator keywords.
A common mistake is adding the full employer 12% to EPF. In many cases, a portion goes to EPS, so this calculator separately shows employer EPF and EPS diversion.
For job changes, use the latest EPF passbook balance as opening balance. For retirement planning, compare EPF with NPS, PPF, SIP, and gratuity because each has different liquidity and tax rules.
EPF / PF Calculator FAQs
Why is EPS shown separately?
EPS is generally a pension scheme diversion from employer contribution. It is not part of the visible EPF balance, so showing it separately gives a cleaner PF maturity estimate.
Does this include VPF?
You can include VPF by increasing the employee contribution rate above 12%, subject to your employer and tax rules.
Is PF withdrawal tax-free?
PF withdrawal tax treatment depends on continuous service, contribution levels, timing, and exemptions. Verify your case before withdrawal.