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EPF & VPF Calculator - Retirement Corpus from PF Contributions

Use this EPF calculator India page to project PF corpus at retirement, including employee contribution, employer EPF share, VPF top-up and annual compounding.

Updated: April 2026·By Rajat

PF Inputs

₹
₹
0%20%
1 years40 years
12%100%
0%88%

EPF Projection Summary

Projected PF Corpus at Retirement

₹1.23 Cr

₹1,23,22,453 with EPF rate 8.25%

Monthly Combined PF

₹10,750.50

Employee + employer EPF

Employee Contribution

₹32.95 L

Including VPF

Employer EPF

₹26.09 L

EPF component only

Interest Earned

₹64.19 L

Compounding gain

EPS Contribution Total

₹3.00 L

Estimated pension bucket

EPS Pension Estimate

₹4,286/mo

Simplified formula: Pensionable salary × service / 70

YearSalary/MonthEmployeeEmployer EPFEPSInterestBalance
Year 1₹50,000₹72,000₹57,006₹14,994+₹10,643₹1,39,649
Year 2₹54,000₹77,760₹61,566₹14,994+₹23,015₹3,01,991
Year 3₹58,320₹83,981₹66,492₹14,994+₹37,328₹4,89,792
Year 4₹62,986₹90,699₹71,811₹14,994+₹53,815₹7,06,117
Year 5₹68,024₹97,955₹77,556₹14,994+₹72,734₹9,54,363
Year 6₹73,466₹1,05,792₹83,761₹14,994+₹94,373₹12,38,288
Year 7₹79,344₹1,14,255₹90,461₹14,994+₹1,19,048₹15,62,052
Year 8₹85,691₹1,23,395₹97,698₹14,994+₹1,47,110₹19,30,255
Year 9₹92,547₹1,33,267₹1,05,514₹14,994+₹1,78,945₹23,47,982
Year 10₹99,950₹1,43,928₹1,13,955₹14,994+₹2,14,984₹28,20,849
Year 11₹1,07,946₹1,55,443₹1,23,072₹14,994+₹2,55,697₹33,55,061
Year 12₹1,16,582₹1,67,878₹1,32,917₹14,994+₹3,01,608₹39,57,464
Year 13₹1,25,909₹1,81,308₹1,43,551₹14,994+₹3,53,292₹46,35,615
Year 14₹1,35,981₹1,95,813₹1,55,035₹14,994+₹4,11,383₹53,97,846
Year 15₹1,46,860₹2,11,478₹1,67,438₹14,994+₹4,76,583₹62,53,345
Year 16₹1,58,608₹2,28,396₹1,80,833₹14,994+₹5,49,662₹72,12,236
Year 17₹1,71,297₹2,46,668₹1,95,299₹14,994+₹6,31,472₹82,85,675
Year 18₹1,85,001₹2,66,401₹2,10,923₹14,994+₹7,22,947₹94,85,947
Year 19₹1,99,801₹2,87,713₹2,27,797₹14,994+₹8,25,120₹1,08,26,577
Year 20₹2,15,785₹3,10,730₹2,46,021₹14,994+₹9,39,125₹1,23,22,453

How this EPF corpus calculator works

  1. 1Enter current monthly Basic + DA used for PF calculation.
  2. 2Set annual salary increment to project future PF contributions.
  3. 3Select employee contribution percentage and extra VPF percentage.
  4. 4Set current PF balance and years to retirement.
  5. 5Review employee + employer contribution, interest and final PF corpus.

EPF and VPF rules used

  • EPF interest rate reference: 8.25% p.a.
  • Employee PF contribution baseline: 12% of Basic + DA
  • Employer EPF share: 3.67% equivalent after EPS split logic
  • Employer EPS share: 8.33% up to salary ceiling of INR 15,000
  • Additional VPF contribution modeled on employee side

Frequently Asked Questions

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