Project your Employee Provident Fund (EPF) balance at retirement. Uses the current EPFO interest rate of 8.25% for FY 2024-25, correctly separates employee and employer contributions (accounting for the EPS split), and shows the gap between your projected corpus and a sustainable retirement income target.
Step 1. Enter your current monthly Basic + Dearness Allowance — EPF contributions are based on this, not your full CTC.
Step 2. Enter your current EPF balance from the EPFO member portal (epfindia.gov.in) using your UAN.
Step 3. Enter years until retirement and expected annual salary growth rate.
Step 4. Add any VPF contribution percentage above the mandatory 12%.
Step 5. Enter current monthly expenses for the retirement gap calculation.
With the default inputs loaded in the form, the calculator produces a starting result you can use as a baseline. Change one field at a time to compare a new scenario.
The Employee Provident Fund covers over 60 million active members in India but most have no idea what their corpus will be at retirement. The EPFO interest rate for 2024-25 is 8.25% — one of the highest safe fixed-income rates available.
The structure of EPF contributions requires careful understanding: only 3.67% of the employer's 12% goes to your EPF account. The remaining 8.33% goes to the Employee Pension Scheme (EPS), which pays a monthly pension — not a lump sum in your passbook.
Voluntary Provident Fund (VPF) is one of India's most underused retirement savings tools. VPF allows any EPF-enrolled employee to contribute more than the mandatory 12% — up to 100% of Basic+DA — earning the same 8.25% interest with the same EEE tax treatment.
The retirement corpus gap calculation — comparing projected EPF to the corpus actually needed — is where many employees have their most sobering financial realization. EPF alone is typically insufficient for urban middle-class retirement needs.
Three methods: (1) Visit epfindia.gov.in with your UAN and password. (2) Give a missed call from your EPFO-registered mobile to 9966044425 — you'll receive an SMS balance. (3) Download the UMANG app and use the EPFO service.
Because only 3.67% of employer's 12% goes to your EPF account. The remaining 8.33% goes to Employee Pension Scheme (EPS) which pays a monthly pension after retirement — not a lump sum in your passbook.
VPF (Voluntary Provident Fund) lets you contribute more than mandatory 12% — up to 100% of Basic+DA — earning 8.25% interest with the same tax exemption as regular EPF. One of the best tax-efficient fixed income options for those in the 20-30% tax bracket.
Your EPF follows your UAN — provide your UAN to the new employer and contributions continue into the same account. Withdrawing EPF when changing jobs is almost always the wrong financial decision due to loss of compounding.
Applies the statutory gratuity formula (Basic+DA × 15 × years ÷ 26) and checks the Rs. 20 lakh tax-exemption limit under the Payment of Gratuity Act 1972.
Computes standard and step-up SIP future value, adds existing corpus growth, and adjusts for inflation to show real purchasing power at end of investment period.
Standard EMI formula applied to Indian loan products. Shows monthly payment, total repayable, and total interest in INR for any loan amount and tenure.
Disclaimer: Results from this calculator are for informational and planning purposes only and do not constitute financial, legal, or professional advice. Always verify important calculations with a qualified professional.
