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PF Calculator

EPF Calculator Online

Last Updated 27th May 2022

  • EPF is a retirement benefit saving scheme under which both employee & employer contribute 12% of the basic pay of employees into the fund.
  • To calculate the interest earned, the contribution amount by employee & employer, and the maturity amount you can use EPF calculator.
  • EPF calculator helps you to keep track of funds deposited in EPF accounts.
  • You require details such as current age, EPF Interest Rate, Contribution rate to use EPF calculator online.
  • Current EPF interest rate for FY 2019-20 is 8.50%.
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EPF Calculator

EPF or Employee Provident Scheme is a retirement benefits scheme under which both employer and employee contribute equally to a specific percentage of the basic salary of an employee in the EPF accounts. As per EPF rules, you can withdraw the funds accumulated in the EPF accounts after the retirement period. In case you have any query regarding your PF amount, EPF calculator helps you to estimate the PF corpus that you will receive at the time of retirement through an online tool. To know the PF amount, you need to provide details such as balance in your EPF account, contribution rate, retirement age etc.

How can an EPF calculator help you?

An EPF calculator gives you an estimate of interest earned on your EPF deposits, thus helping you to keep track of your savings. Below-mentioned is some of the benefits of using an EPF calculator online.

  • Saves time: EPF calculator helps you to save time in doing tedious calculations by calculating PF amount in seconds, as one can get the output in a few seconds once the required details are filled.
  • Gives accurate results: An online EPF Calculator will provide you with accurate results; thus, you can track the returns from the funds deposited in the EPF account without any error.
  • Estimate results on updated rates: In case PF rates change during the financial year, EPF calculator automatically calculates the maturity amount based on the latest PF rates.

EPF Calculation Formula

To calculate Interest earned on EPF funds and the amount you will receive at the end of the maturity period, you should know the following details.

  • Monthly Basic + Dearness Allowance
  • Your EPF Contribution
  • Employer's Contribution
  • Increase in Basic Pay
  • Interest Rate
  • Current & Retirement Age

How to use EPF Calculator?

You can calculate the total interest & maturity amount by following the steps as mentioned below:

  • Enter your current age, your basic monthly Monthly salary + Dearness Allowance.
  • Now, enter your EPF Contribution rate, Increase in Basic Pay.
  • As you put all the values, click on the calculate button.
  • Finally, you can know the total interest earned, maturity amount, amount of EPF contribution by you & your employer.


How is EPF calculated?

The amount of interest is calculated based on the basic salary, contribution rate of EPF and retirement age of the employee. You can use the EPF calculator to calculate both the interest earned & maturity amount that you will receive at the end of the retirement period.

Is the EPF calculator free to use?

Yes, you can use an EPF calculator at nil costs or charges.

How many times can I use the online EPF calculator?

There are no restrictions on the number of times you can use an online EPF calculator.

Can I use the same calculator even after I change my job?

As UAN remains the same even after switching the job it is easy to calculate PF amount & interest earned using the same EPF Calculator.

How is PF amount calculated after retirement?

To calculate the maturity amount that you will receive after the retirement period you can use the EPF calculator based on your current age, retirement age, basic salary, contribution rate etc.

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