🏛 EPF Maturity Calculator
Project what your EPF account could grow to by retirement, factoring in your current balance, ongoing contributions, expected salary increments, and compounding interest.
This compounds monthly EPF contributions (your 12% plus the 3.67% of your employer's share that lands in EPF, not EPS) at the current EPF interest rate, while growing your basic salary each year by the increment percentage you enter — so a higher assumed increment meaningfully changes the projection.
Frequently Asked Questions
Why does the projection use 15.67% of basic, not the full 24%?
Of the combined 24% (12% employee + 12% employer), 8.33 percentage points of the employer's share go to EPS (pension), not EPF — leaving roughly 15.67% of basic actually compounding in your EPF account.
Does the EPF interest rate change over time?
Yes — it's declared annually by the EPFO and has varied historically; this calculator uses a fixed assumed rate for the projection, so treat the result as an estimate that will drift from reality if rates change significantly.
What happens to my EPF if I switch jobs?
Your EPF balance transfers to your new employer's EPF account when you update your UAN with the new employer — it isn't lost, though gaps in contribution during the transition aren't compounding.
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