PF Calculator

Calculate your Provident Fund savings with our PF Calculator. Accurate EPF projections, PF to NF conversions, and retirement corpus estimates in seconds!

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Output

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Input your investment cash flows and see your pf instantly!

Total Employee Contribution

Total Employer Contribution

Total EPF Contributions

Total Interest Earned

Estimated Maturity Value

What is a PF Calculator?

An EPF Calculator (Employees’ Provident Fund Calculator) is an online calculator that is free to use and will help you project:

  • Total contributions by you as well as your employer
  • Interest earned on your PF balance
  • Maturity value at retirement

The calculator will take into account your salary, contribution percentages, existing EPF interest rate, and current PF balance. Using the calculator can also estimate scenarios where your PF goes inactive (Non-Withdrawable Fund), allowing for more accurate and manageable planning.

How Does the PF (EPF) Calculator Work?

The PF calculator asks for few basic inputs:

  • Basic Salary + Da - is used for contribution calculation.
  • Employee & Employer Contribution Rate typically 12% each of your basic salary.
  • Current Interest Rate on EPF - is approximately 8.25% which is reviewed outside of the calculator by EPF four times a year.
  • Existing PF Balance - any sum you have already accumulated.
  • Retirement Age - investable period.

Formula Used in PF Calculation

The EPF maturity value is calculated using the monthly compounding formula:

M = P ×
(1 + r⁄12)n − 1
r⁄12

Where:

  • M = Maturity Value
  • P = Monthly contribution (employee + employer)
  • r = Annual EPF interest rate (in decimal)
  • n = Total number of months until retirement

Why Use Our EPF Calculator?

  • Precise Projections – Instant and accurate corpus calculations.
  • Scenarios comparison – Vary levels of contribution to see how retirement corpus changes.
  • VPF – Include authentication variables for contribution on voluntary surplus income.
  • Interactive Charts – Visual representation of growth of PF (EPF) year by year
  • Inactive account check - Plan for cases when PF account goes from PF -> NF and avoid the surprises of lost funds.

Disclaimer

The PF (EPF) Calculator provides estimates for educational and informational purposes only. Actual returns may vary based on interest rates, government policies, and account activity. Consult a financial advisor or the EPF department before making decisions regarding your PF investments.

FAQs

An online tool to calculate EPF maturity, benefactions, and interest earned.

It estimates PF savings grounded on payment, donation rates, and EPF interest rate.

The rate of interest of EPF is about 8.25 sire, revised annually by EPFO.

It estimates corpus growth for inactive EPF accounts post-job change or exit.

Your corpus is a function of payment, benefactions, interest rate, and term.

Yes, you may incorporate yearly increases in salary while providing accurate forecasts.

Employer contributions have a huge impact on your net PF maturity value.

PF interest is compounded monthly, but credited annually to your account.

Yes, please include a hand donation with the Voluntary Provident Fund( VPF).

It aids in retirement planning, maximizing contributions, and financial stability.

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