About this calculator
EPF is a mandatory retirement savings scheme for organised sector employees. Both employee (12% of basic) and employer contribute, with interest set annually by EPFO.
How to use this calculator
Enter monthly basic salary and years of service. We calculate 12% employee + 3.67% employer EPF share compounded monthly.
Frequently asked questions
Is EPF withdrawal tax-free?
EPF withdrawal after 5 years of continuous service is tax-free. Partial withdrawals are allowed for specific purposes.
Are these calculators free to use?
Yes. All calculators are free, require no signup, and run entirely in your browser.
Results are estimates for planning purposes only — not investment, tax or legal advice. Verify rates on official sources before acting. Compare brokers on our best stock brokers guide or use the brokerage calculator.