Cumulative contributions, interest earned, and the closing balance at the end of each year, with the basic salary rising annually.
Year
Invested
Interest
Balance
1
72,000
3,259
75,259
2
1,47,600
13,049
1,60,649
3
2,26,980
30,235
2,57,215
4
3,10,329
55,772
3,66,101
5
3,97,845
90,711
4,88,556
6
4,89,738
1,36,209
6,25,947
7
5,86,225
1,93,541
7,79,765
8
6,87,536
2,64,106
9,51,642
9
7,93,913
3,49,443
11,43,356
10
9,05,608
4,51,243
13,56,852
11
10,22,889
5,71,361
15,94,250
12
11,46,033
7,11,831
18,57,865
13
12,75,335
8,74,886
21,50,221
14
14,11,102
10,62,971
24,74,073
15
15,53,657
12,78,766
28,32,422
16
17,03,339
15,25,205
32,28,544
17
18,60,506
18,05,500
36,66,006
18
20,25,532
21,23,166
41,48,698
19
21,98,808
24,82,049
46,80,857
20
23,80,749
28,86,352
52,67,101
21
25,71,786
33,40,671
59,12,457
22
27,72,375
38,50,030
66,22,405
23
29,82,994
44,19,914
74,02,908
24
32,04,144
50,56,316
82,60,460
25
34,36,351
57,65,780
92,02,131
Estimates only — not financial, tax, or professional advice.
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What it calculates: EPF Corpus at Retirement, Total Contributions, Total Interest, Final-Year Monthly Contribution.
Updated 5 June 2026 · Transparent assumptions
The employer’s share is the part people forget to count
A standard EPF arrangement takes 12% of basic pay from the employee and a matching 12% from the employer, so the fund receives roughly 24% of basic every month. Most people think of EPF as the deduction on their payslip, which is half of what is actually going in.
The calculator takes both rates separately because they are not always equal. Some employers contribute on a capped wage rather than full basic, and employees can voluntarily contribute more, so the real split is often not the textbook twelve and twelve.
A rising basic quietly doubles the monthly deposit
Because the contribution is a percentage of basic pay, every raise raises the deposit. At 8% annual salary growth, the monthly contribution roughly doubles in nine years without you changing anything — the same escalation effect a step-up investment plan creates deliberately.
This is why the final monthly contribution figure is reported alongside the corpus. It shows what the plan looks like at the end rather than at the start, and the difference between those two numbers is usually much larger than people expect.
The rate is announced for the year, not fixed in advance
The EPF interest rate is recommended by the Central Board of Trustees and notified each year, and the credit often appears in the account months after the year ends. It has drifted downward over the last two decades, from above 9.5% to around 8.25%.
The projection here holds one rate across the whole term. Over a thirty-year working life that is a substantial simplification, and a half-point difference sustained across three decades changes the corpus by considerably more than a half-point of intuition suggests.
The pension diversion, and what else this does not model
Of the employer’s 12%, a portion is diverted to the Employees’ Pension Scheme rather than credited to the provident fund balance, subject to a wage ceiling. A calculator that adds the full employer share to the corpus therefore overstates the EPF balance and understates the separate pension entitlement.
Withdrawals before five years of continuous service, job changes that break the service record, and the taxability of contributions above the statutory threshold all sit outside this model. Treat the output as the shape of the plan, not as a statement of account.
Sources & References
Figures on this page are checked against primary, authoritative sources. Links open in a new tab.
Results are estimates based on the figures you enter and standard formulas. Rates, fees, taxes, and lender terms vary and change over time, so confirm important numbers with your lender or a qualified professional. This is educational information, not financial advice.
Published the calculator with its formula, worked example, assumptions, limitations and a bespoke guide, and added an automated formula test suite covering it.
Tested the combined employee and employer contribution against a basic salary escalating annually, recomputed month by month outside the engine.
Tested that zero salary growth reproduces a level contribution, and that the final monthly contribution matches the salary growth applied.
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