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EPFPlan
See how your monthly EPF contributions — both employee and employer — compound into your retirement corpus.
The employer contributes 12% of basic salary, but only 3.67% goes to your EPF account — the remaining 8.33% goes to the Employee Pension Scheme (EPS), which provides a monthly pension after retirement rather than a lump sum.
Interest on EPF contributions up to ₹2.5 lakh per year is tax-free. For contributions above this threshold (added in 2021), interest earned on the excess is taxable — this primarily affects high-salary employees.
Estimate monthly payments with taxes, insurance, and amortization.
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OpenCompare loan terms and see total interest paid.
OpenProject growth from deposits and compounding interest.
OpenEPF corpus
4,688,769.747
Employer contributes 12% of basic — 3.67% goes to EPF, 8.33% goes to EPS (pension). The current EPF rate is 8.25% p.a.
What you entered
Employee monthly contribution
$30,000.00 × 12%= $3,600.00Employer monthly contribution
$30,000.00 × 3.67%= $1,101.00Total monthly deposit
$3,600.00 + $1,101.00= $4,701.00Monthly interest rate
8.25% ÷ 12= 0.6875%Corpus after 25 years
Compound monthly for 300 months= $4,688,769.75Total contributions
$4,701.00 × 300= $1,410,300.00Interest earned
$4,688,769.75 − $1,410,300.00= $3,278,469.75Result
EPF corpus: 4,688,769.747
Over 25 years, combined contributions of $1,410,300 grow to an EPF corpus of $4,688,770, earning $3,278,470 in interest.