EPF Calculator 2026 — Employee Provident Fund & Pension
Estimate your EPF retirement corpus and monthly EPS pension with current 8.25% interest.
EPF + EPS 8.25% Interest Year-wise
Projection
Employee (12%)
₹4,200/mo
Employer EPF (3.67%)
₹1,285/mo
Employer EPS (8.33%)
₹1,250/mo
Total EPF Deposit
₹5,485/mo
EPF Corpus at Retirement
₹1,36,28,760
Estimated EPS Pension
₹6,429 / month
Capped at pensionable salary ₹15,000 & 35 years of service.
Year-by-Year Growth
| Age | Opening | Employee | Employer | Interest | Closing |
|---|---|---|---|---|---|
| 31 | ₹0 | ₹50,400 | ₹15,414 | ₹2,715 | ₹68,529 |
| 32 | ₹68,529 | ₹52,920 | ₹16,185 | ₹8,504 | ₹1,46,138 |
| 33 | ₹1,46,138 | ₹55,566 | ₹16,994 | ₹15,049 | ₹2,33,747 |
| 34 | ₹2,33,747 | ₹58,344 | ₹17,844 | ₹22,427 | ₹3,32,362 |
| 35 | ₹3,32,362 | ₹61,262 | ₹18,736 | ₹30,720 | ₹4,43,079 |
| 36 | ₹4,43,079 | ₹64,325 | ₹19,673 | ₹40,019 | ₹5,67,095 |
| 37 | ₹5,67,095 | ₹67,541 | ₹20,656 | ₹50,423 | ₹7,05,716 |
| 38 | ₹7,05,716 | ₹70,918 | ₹21,689 | ₹62,042 | ₹8,60,364 |
| 39 | ₹8,60,364 | ₹74,464 | ₹22,773 | ₹74,991 | ₹10,32,592 |
| 40 | ₹10,32,592 | ₹78,187 | ₹23,912 | ₹89,400 | ₹12,24,092 |
| 41 | ₹12,24,092 | ₹82,096 | ₹25,108 | ₹1,05,410 | ₹14,36,706 |
| 42 | ₹14,36,706 | ₹86,201 | ₹26,363 | ₹1,23,172 | ₹16,72,442 |
| 43 | ₹16,72,442 | ₹90,511 | ₹27,681 | ₹1,42,852 | ₹19,33,486 |
| 44 | ₹19,33,486 | ₹95,037 | ₹29,065 | ₹1,64,632 | ₹22,22,220 |
| 45 | ₹22,22,220 | ₹99,789 | ₹30,519 | ₹1,88,708 | ₹25,41,235 |
| 46 | ₹25,41,235 | ₹1,04,778 | ₹32,045 | ₹2,15,296 | ₹28,93,354 |
| 47 | ₹28,93,354 | ₹1,10,017 | ₹33,647 | ₹2,44,628 | ₹32,81,645 |
| 48 | ₹32,81,645 | ₹1,15,518 | ₹35,329 | ₹2,76,958 | ₹37,09,451 |
| 49 | ₹37,09,451 | ₹1,21,294 | ₹37,096 | ₹3,12,563 | ₹41,80,403 |
| 50 | ₹41,80,403 | ₹1,27,358 | ₹38,950 | ₹3,51,743 | ₹46,98,455 |
| 51 | ₹46,98,455 | ₹1,33,726 | ₹40,898 | ₹3,94,826 | ₹52,67,905 |
| 52 | ₹52,67,905 | ₹1,40,413 | ₹42,943 | ₹4,42,166 | ₹58,93,426 |
| 53 | ₹58,93,426 | ₹1,47,433 | ₹45,090 | ₹4,94,149 | ₹65,80,098 |
| 54 | ₹65,80,098 | ₹1,54,805 | ₹47,344 | ₹5,51,197 | ₹73,33,444 |
| 55 | ₹73,33,444 | ₹1,62,545 | ₹49,712 | ₹6,13,765 | ₹81,59,466 |
| 56 | ₹81,59,466 | ₹1,70,672 | ₹52,197 | ₹6,82,349 | ₹90,64,685 |
| 57 | ₹90,64,685 | ₹1,79,206 | ₹54,807 | ₹7,57,490 | ₹1,00,56,187 |
| 58 | ₹1,00,56,187 | ₹1,88,166 | ₹57,547 | ₹8,39,771 | ₹1,11,41,672 |
| 59 | ₹1,11,41,672 | ₹1,97,575 | ₹60,425 | ₹9,29,830 | ₹1,23,29,502 |
| 60 | ₹1,23,29,502 | ₹2,07,453 | ₹63,446 | ₹10,28,359 | ₹1,36,28,760 |