EPF Retirement Calculator

Plan your future with the latest EPFO interest rate of 8.25% for FY 2026-27.

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$
$ 500,000

Total Maturity Value at Retirement (Age 58)

$ 77,217,433

Estimated based on 8.25% p.a. interest rate

Total Contributions

$ 22.84 M

Total Interest Earned

$ 53.88 M

Corpus Growth Over Career

CorpusContribution
Age 25
Age 33
Age 45
Age 58

Everything you need to know about EPF

EPF Interest Rate 2026

The Ministry of Finance recently approved an interest rate of 8.25% for the financial year 2026-27. This is the highest rate in the last three years.

View History

How EPF is Calculated

Your contribution is 12% of (Basic + DA). Employer's contribution is divided: 3.67% to EPF and 8.33% to EPS (Pension Scheme).

Read Formula

Withdrawal Rules

You can withdraw your EPF fully only after retirement or if you remain unemployed for more than 2 months. Partial withdrawals allowed for major life events.

Latest Rules

Want to see your detailed salary breakdown?

Use our CTC Calculator to see how your in-hand salary is affected by EPF deductions and other components.

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