Your personal AI for understanding and tracking your personal finance.
Project your Employee Provident Fund corpus at the FY 2025-26 rate of 8.25%, with Voluntary Provident Fund (VPF), your existing balance and the ₹25,000 EPS wage ceiling that applies from 17 September 2026.
EPF Corpus at Age 58
7-day free trial
| Age | Year Contribution | Interest Earned | Balance |
|---|---|---|---|
| Age 29 | ₹1.19 L | ₹4,909 | ₹1.24 L |
| Age 33 | ₹1.64 L | ₹58,732 | ₹8.53 L |
| Age 38 | ₹2.40 L | ₹1.83 L | ₹25.25 L |
| Age 43 | ₹3.46 L | ₹4.12 L | ₹55.78 L |
| Age 48 | ₹4.96 L | ₹8.13 L | ₹1.09 Cr |
| Age 53 | ₹7.05 L | ₹14.94 L | ₹2.00 Cr |
| Age 58 | ₹9.99 L | ₹26.28 L | ₹3.50 Cr |
Showing milestones every 5 years. EPS pension calculated separately.
EPF gives you 172% on top of contributions
EPF is one of India's few EEE instruments — contribution under 80C, interest tax-free, withdrawal tax-free after 5+ years. Consider VPF (Voluntary Provident Fund) to top up beyond 12% — same 8.25% return, but interest on your own EPF + VPF contributions above ₹2,50,000 a year is taxable.
Voluntary Provident Fund (VPF) is any contribution you choose to make above the mandatory 12% of basic + DA. It goes into the same EPF account, earns the same rate (8.25% for FY 2025-26) and gets no employer match. What a flat extra amount a month grows to at 8.25%. Enter your own amount first:
VPF balance after 10 years at 8.25%
₹6.00 L paid in + ₹3.16 L interest
With your ₹50,000 basic from the calculator above, your own EPF + VPF comes to ₹1,32,000 a year, inside the ₹2,50,000 limit, so the interest stays tax-free.
Uses the interest-rate slider above (default 8.25%, FY 2025-26). The amount is held flat; interest is credited annually on the opening balance plus half the year's contributions.
Fixed amounts for 5, 10 and 20 years:
| Extra VPF a month | After 5 years | After 10 years | After 20 years |
|---|---|---|---|
| ₹2,000 | ₹1.47 L₹1.20 L paid in + ₹27,339 interest | ₹3.66 L₹2.40 L paid in + ₹1.26 L interest | ₹11.76 L₹4.80 L paid in + ₹6.96 L interest |
| ₹5,000 | ₹3.68 L₹3.00 L paid in + ₹68,347 interest | ₹9.16 L₹6.00 L paid in + ₹3.16 L interest | ₹29.39 L₹12.00 L paid in + ₹17.39 L interest |
| ₹10,000 | ₹7.37 L₹6.00 L paid in + ₹1.37 L interest | ₹18.32 L₹12.00 L paid in + ₹6.32 L interest | ₹58.79 L₹24.00 L paid in + ₹34.79 L interest |
Illustration: the rate is held at 8.25% for every year, though EPFO declares it afresh each year; interest is credited annually on the opening balance plus half the year's contributions, the same method as the calculator above.
The tax catch: interest on your own EPF + VPF contributions is taxable to the extent those contributions pass ₹2,50,000 in a year (₹5,00,000 if your employer makes no contribution to the fund). The limit counts the mandatory 12% as well as VPF, so on a ₹50,000 basic, where ₹6,000 a month already goes in, about ₹14,833 a month of VPF is the most that keeps every rupee of interest tax-free.
Enter the balance from your UAN passbook as "Existing EPF Balance" and set a VPF percentage; the projection above adds both. VPF earns the same 8.25% as EPF with no employer match. The catch is tax: once your own EPF + VPF contributions pass ₹2,50,000 in a year, interest on the excess is taxable. For a ₹50,000 basic growing 7% a year from age 28 to 58, at 8.25%:
| VPF | Your EPF + VPF per month | Corpus at 58 | Own contributions pass ₹2,50,000/yr |
|---|---|---|---|
| None | ₹6,000 | ₹3.50 Cr | From age 48 |
| 5% | ₹8,500 | ₹4.29 Cr | From age 43 |
| 10% | ₹11,000 | ₹5.08 Cr | From age 39 |
| 20% | ₹16,000 | ₹6.67 Cr | From age 33 |
The EPS wage ceiling rose from ₹15,000 to ₹25,000 a month on 17 September 2026, the first change since 2014. The employer still pays 12%, but more of it now goes to your pension (EPS) and less to your EPF: at any basic above ₹25,000, ₹833 a month moves from EPF to EPS. Workers earning ₹15,000 to ₹25,000 a month also become mandatorily covered.
| Basic + DA / month | To EPS before | To EPS now | Employer to EPF before | Employer to EPF now |
|---|---|---|---|---|
| ₹15,000 | ₹1,250 | ₹1,250 | ₹550 | ₹550 |
| ₹20,000 | ₹1,250 | ₹1,666 | ₹1,150 | ₹734 |
| ₹25,000 | ₹1,250 | ₹2,083 | ₹1,750 | ₹917 |
| ₹50,000 | ₹1,250 | ₹2,083 | ₹4,750 | ₹3,917 |
| ₹1,00,000 | ₹1,250 | ₹2,083 | ₹10,750 | ₹9,917 |
Assumes the employer contributes on full basic + DA; many cap PF at the ceiling. This calculator uses the new ceiling for every future year.
8.25% for FY 2025-26, recommended by EPFO's Central Board of Trustees on 2 March 2026. The FY 2026-27 rate is not declared yet; the board recommends each year's rate near that year's end, so expect it around February–March 2027. Until then, 8.25% is the best default, and the rate slider above shows what a change would do.
| Financial year | EPF rate | Declared by |
|---|---|---|
| FY 2026-27 | Not declared | Due ~Feb–Mar 2027 |
| FY 2025-26 | 8.25% | 239th CBT, 2 Mar 2026 |
| FY 2024-25 | 8.25% | 237th CBT |
| FY 2023-24 | 8.25% | 235th CBT, 10 Feb 2024 |
| FY 2022-23 | 8.15% | CBT |
Primary sources: Press Information Bureau releases on the 239th, 237th and 235th CBT meetings (EPF rates); Cabinet decision of 16 September 2026 and Gazette notification S.O. 5109(E) (wage ceiling ₹25,000 from 17 September 2026); Income-tax Act, 2025, Schedule II, Table Sl. No. 4, read on incometaxindia.gov.in on 7 October 2026 (tax-free limit on own EPF + VPF contributions).
Last updated: 21 October 2026
Richify AI tracks EPF, PPF, NPS, and Reksa Dana retirement balances in one app. See your true retirement corpus growing in real time.
Download Richify — 7-day free trial8.25% for FY 2025-26, recommended by EPFO's Central Board of Trustees on 2 March 2026 — the third year running at 8.25%. Earlier declared rates: 8.25% (2024-25), 8.25% (2023-24), 8.15% (2022-23).
The FY 2026-27 rate has not been declared yet; the board recommends each year's rate near the end of that year (February–March), so the next announcement is due around early 2027. This calculator defaults to 8.25% and lets you change it.
The employer pays 12% of basic + DA, but 8.33% of that goes to EPS (Employee Pension Scheme) on wages up to the ceiling, and only the rest reaches your EPF. The ceiling rose from ₹15,000 to ₹25,000 a month on 17 September 2026, so the maximum EPS contribution rose from ₹1,250 to ₹2,083 a month.
On a basic above ₹25,000, ₹833 a month that used to go to your EPF now goes to EPS instead.
Full withdrawal: at retirement (typically 58 years), or 2 months after leaving employment if not joining another EPFO-covered employer. Partial withdrawal allowed for: marriage of self/children/siblings (50% after 7 years of service), home purchase/construction (24-36 months wages, after 5 years), medical emergency (6 months wages, anytime), education of children (50% after 7 years), unemployment for 1+ months (75% after 1 month, then 25% after 2 months unemployed).
Withdrawals after 5+ years of continuous EPFO membership are fully tax-free (EEE — exempt-exempt-exempt). Withdrawals before 5 years of service are TAXABLE: employee + employer contributions added to your income, accumulated interest taxed at slab rates, and 80C deductions claimed in past years are reversed.
Always wait 5 years if possible — early withdrawal can wipe out a decade of tax savings.
EPS (Employee Pension Scheme) pays a monthly pension after retirement: pensionable salary × pensionable service ÷ 70. Pensionable salary is capped at the wage ceiling — ₹25,000 a month from 17 September 2026, ₹15,000 before it.
Under the Employees' Pension Scheme, 2026 (G.S.R. 527(E), which replaced EPS 1995), the pension is worked out on a pro rata basis for every wage-ceiling period: service up to the day before 17 September 2026 counts at ₹15,000 (or the older ceiling for service before September 2014), and service from 17 September 2026 at ₹25,000, each slice × its years ÷ 70. The pension figure on this page applies the new ceiling to the future years you enter only; the EPS pension calculator on this site adds up every ceiling period for your full pro-rata pension.
Yes — Voluntary Provident Fund (VPF) lets you contribute beyond the mandatory 12%, up to 100% of basic + DA. It sits in your EPF account and earns the same rate (8.25% for FY 2025-26); there is no employer match.
VPF counts toward the ₹1.5 lakh 80C deduction in the old regime only. Interest on your own EPF + VPF contributions above ₹2,50,000 a year is taxable (₹5 lakh if your employer does not contribute), so for high earners the first ₹2,50,000 of VPF capacity is the attractive part.
VPF has no separate rate: it is credited at the EPF rate, 8.25% for FY 2025-26 (the CBT recommendation of 2 March 2026). The FY 2026-27 rate will be recommended near the end of that year, around February–March 2027, so 8.25% is the right default for a 2026 VPF calculation.
Earlier years: 8.25% (2024-25), 8.25% (2023-24), 8.15% (2022-23).
VPF sits in your EPF account and is credited at the EPF rate, 8.25% for FY 2025-26. An extra ₹10,000 a month for 20 years at 8.25% is ₹24,00,000 paid in and about ₹58.79 L at the end, of which ₹34.79 L is interest (illustration: the rate is held at 8.25% throughout, though it is declared afresh each year).
To include VPF in a full EPF projection, set the VPF slider in the calculator above as a percentage of basic + DA.
Only up to a limit. Interest on your own EPF + VPF contributions made from 1 April 2021 is taxable to the extent those contributions exceed ₹2,50,000 in a year, or ₹5,00,000 where your employer makes no contribution to the fund (Income-tax Act, 2025, Schedule II, Table Sl.
No. 4, the successor to the old s.10(12) proviso). The limit counts the mandatory 12% too: on a ₹50,000 basic you already put in ₹6,000 a month, so about ₹14,833 a month of VPF keeps all your interest tax-free.
Your personal AI for understanding and tracking your personal finance.
Keep your EPF up to dateTrack my EPF
Free to download · 7-day free trial