EPF calculator: estimate your PF balance at retirement
Each month, you contribute 12% of basic + DA to EPF, and your employer contributes 12% — but 8.33% of up to ₹25,000 (max ₹2,083) goes to the EPS pension fund, and only the rest goes to your PF. EPF earned 8.25% interest for 2025-26. The calculator projects your balance at retirement based on these rules.
Key facts Last verified: 27 Sep 2026
| Item | Details | Source |
|---|---|---|
| EPF interest rate | 8.25% for 2025-26 (notified July 2026) | EPFO |
| Employee share | 12% of basic + DA | EPFO |
| Employer share | 12%; of which 8.33% of wages up to ₹25,000 (max ₹2,083/month, was ₹1,250) goes to EPS | EPFO via PIB |
| Wage ceiling | ₹25,000 a month for mandatory coverage and EPS, from 17 Sep 2026 (was ₹15,000 since Sep 2014) | Ministry of Labour (PIB) |
| Tax on interest | Interest on employee contributions above ₹2.5 lakh a year is taxable | Income Tax Dept |
Where your 24% goes (wage ₹30,000)
| Contribution | Monthly | Goes to |
|---|---|---|
| Your 12% | ₹3,600 | EPF |
| Employer 12% | ₹3,600 | ₹2,083 to EPS pension + ₹1,517 to EPF |
| Total to EPF | ₹5,117 | Earns EPF interest |
Tips
- Check your passbook on the EPFO member portal or UMANG to confirm your employer is depositing every month.
- Don’t withdraw when changing jobs — transfer your PF so interest keeps compounding and your service stays continuous.
- VPF (Voluntary PF) lets you add more than 12% at the same interest rate (subject to the ₹2.5 lakh tax-free interest limit).
Frequently asked questions
What is the EPF interest rate for 2025-26?
8.25%, the same as the previous two years.
Why is my employer’s full 12% not in my PF balance?
Part of it — 8.33% of wages up to ₹25,000, a maximum of ₹2,083 a month (the old maximum was ₹1,250; the ceiling rose on 17 September 2026) — goes to the Employees’ Pension Scheme (EPS), not to your PF account.
Is EPF interest taxable?
Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh if there is no employer contribution) is taxable. Otherwise it is tax-free.
Official links
Use only these government websites. HumainOne is not connected to any of them.
- EPFOInterest rates, rules
- EPFO Member PortalPassbook, KYC, transfer, claims
Disclaimer: HumainOne is an independent information website. We are not affiliated with UIDAI, the Income Tax Department, EPFO, NPCI, the Election Commission, the Government of Maharashtra or any government body. We do not accept applications, documents or fees. Information is checked against official sources on the date shown but rules change — always confirm on the official website before acting. Calculators give estimates, not official figures, and this is not tax or legal advice.