Free PF/EPF Calculator India
Calculate Provident Fund maturity amount, total interest, and contributions. Employee + employer split with compounding.
Employee Monthly Contribution₹0
Employer Monthly Contribution₹0
Total Monthly Contribution₹0
Total Employee Contribution₹0
Total Employer Contribution₹0
Maturity Value (with interest)₹0
EPF Rules 2026: Employee contributes 12% of Basic+DA. Employer contributes 12% (8.33% to EPS pension, 3.67% to EPF). Interest rate: 8.25% p.a. (compounded monthly). EPF maturity is tax-free after 5 years of continuous service.
FAQ
How is EPF calculated?
Both employee and employer contribute 12% of Basic+DA. The employer's 12% is split: 8.33% goes to EPS (pension, max ₹1,250/month) and 3.67% to EPF. Interest at 8.25% is compounded monthly on the accumulated balance.
Is EPF maturity taxable?
EPF maturity is fully tax-free if: (1) 5+ years of continuous service, (2) amount is from a recognized provident fund. If withdrawn before 5 years, TDS at 10% applies (20% if no PAN). Interest on employee contribution above ₹2.5 lakh/year is taxable.
What is the current EPF interest rate?
The EPF interest rate for FY 2025-26 is 8.25% per annum, compounded monthly. The rate is declared by EPFO annually. This calculator lets you model any rate.
Can I withdraw PF before retirement?
Partial withdrawal is allowed for specific purposes: house construction, medical treatment, education, marriage. Full withdrawal is allowed after 2 months of unemployment. After retirement at 55, full withdrawal is tax-free.
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