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EPF Calculator

Estimate PF impact on your in-hand salary and long-term retirement corpus.

Planning assumptions

This EPF page is a planning estimator. You can edit the basic salary ratio, and EPF is calculated as 12% employee + 12% employer on basic salary. Actual payroll structure and statutory treatment may differ by employer policy.

How to Use This EPF Estimate

Use this page to understand your monthly take-home impact and long-term PF compounding in one place. Adjust salary and VPF to test contribution trade-offs before changing payroll settings.

Inputs

Advanced options

Outputs

Employee EPF / month₹3,000
Employer EPF / month₹3,000
Total employee deduction / month (EPF + VPF)₹3,000
Retirement contribution / month₹6,000
Projected EPF corpus at retirement₹62,97,295

In-hand impact now is represented by employee EPF + VPF monthly deduction.

Open Retirement Planner with Prefill

Assumptions and Formula Notes

This is an estimate tool for planning. Please verify decisions against official EPFO records and professional advice.

What if you diversify?

EPF-only projected corpus: ₹62,97,295. For estimated retirement spending of ₹25,000/month, target corpus is around ₹1,05,00,000 (gap: ₹42,02,705).

Balanced Mix (EPF + NPS)

Add ₹3,000/month to NPS

Additional corpus vs EPF-only +₹22,78,107
Projected total corpus ₹85,75,402
Try EPF + NPS in Planner

Growth Mix (EPF + Equity SIP)

Add ₹4,000/month to equity SIP

Additional corpus vs EPF-only +₹39,57,021
Projected total corpus ₹1,02,54,316
Try EPF + Equity in Planner

Hybrid Mix (EPF + NPS + Equity)

Add ₹2,000/month NPS and ₹2,400/month equity

Additional corpus vs EPF-only +₹38,92,951
Projected total corpus ₹1,01,90,246
Try Hybrid Mix in Planner

Want to benchmark your salary context too? Check Peer Compare

Related EPF Calculators

EPF Calculator with Current Balance VPF Calculator (In-Hand Impact) EPF Interest Calculator EPF Maturity Calculator Employer and Employee PF Contribution Calculator EPF Withdrawal Tax Calculator

Frequently Asked Questions

How is EPF calculated in this tool?

The estimate assumes basic salary as 50% of monthly salary and applies 12% each for employee and employer EPF.

Why does this affect in-hand salary?

Employee EPF and optional VPF reduce current take-home, while employer EPF builds retirement corpus.

Is this exact payroll output?

No. It is a planning calculator. Actual payroll breakups vary by company and salary structure.