EPF / PF Withdrawal Calculator
Estimate how your EPF balance grows with your monthly contribution and interest, or calculate the TDS and net amount you'd receive on a PF withdrawal right now — based on the standard EPFO rules.
Separately, about ₹2,24,910 of the employer's contribution goes into your EPS (pension) account over this period — that's a monthly pension after retirement, not part of the lump-sum balance above.
An estimate assuming a flat interest rate and a fixed EPS wage ceiling of ₹15,000. The real EPFO rate is declared annually and can change; check your UAN passbook for your exact balance.
Work out your EPF in 3 steps
‘Grow my EPF’ projects your balance over time; ‘Withdraw now’ works out the TDS and net amount on a withdrawal today.
For growth: your basic + DA, current balance, years and interest rate. For withdrawal: the amount, your years of service and whether PAN is linked.
See your projected corpus and year-by-year growth, or your exact TDS and take-home amount — updated live as you type.
Where this calculator helps
See roughly how big your EPF corpus could be by the time you retire, and how much of it is your own money versus employer contribution and interest.
A higher basic pay means a bigger EPF contribution too — project the long-term difference, not just the monthly take-home.
Before you withdraw your PF after leaving a job, check whether TDS applies and how much you'd actually receive.
See exactly how your 12% and your employer's 12% split between the EPF account and the EPS pension fund.
Benefits
- Two modes in one tool — project future growth, or check today's withdrawal and TDS.
- Splits the employer's contribution into EPF and EPS (pension), so the corpus figure isn't overstated.
- Year-by-year growth table showing your contribution, employer's contribution and interest separately.
- Runs entirely in your browser — your salary and PF details never leave your device.
How your EPF balance actually grows
Every month, 12% of your basic pay (plus dearness allowance) goes into your EPF account from your salary, and your employer matches it with another 12%. But that employer share isn't all headed to the same pot: 8.33% of it (capped at a ₹15,000 wage ceiling, so at most about ₹1,250 a month) goes into the Employees' Pension Scheme (EPS), which pays a monthly pension after retirement rather than a lump sum. The remainder of the employer's 12% joins your own contribution in the EPF account, where it earns interest.
EPFO declares an interest rate each year (8.25% for recent years, though it can change), and that interest is calculated on the running monthly balance and credited once a year. Over a long career, the compounding effect is significant — because EPF is a low-risk, government-backed instrument, it's often one of the largest components of a salaried employee's long-term savings, growing quietly alongside whatever else you invest.
This calculator's ‘Grow my EPF’ mode runs that same monthly-contribution, annual-interest logic against your basic pay, current balance, years and an optional yearly salary hike, so you can see roughly where your balance is headed — and how much of the final number is genuinely your own saving versus your employer's contribution and the interest it earned.
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Important note
This tool provides an estimate based on the values you enter. Actual loan, tax, salary or investment results can differ. Verify important financial decisions with the relevant lender, employer, tax rules or qualified professional.
Frequently asked questions
How is EPF interest calculated?
EPFO calculates interest monthly on the running balance in your account (opening balance plus that month's contributions), but credits the total interest for the year only once, usually at year-end. This calculator approximates that by adding monthly interest to your balance as it grows, using the rate you enter.
What is the EPS and why isn't it part of my withdrawal amount?
The Employees' Pension Scheme (EPS) is a separate pension fund. 8.33% of your employer's contribution (capped at a ₹15,000 monthly wage) goes there instead of your EPF account, and it pays you a monthly pension after you turn 58 (subject to eligibility), not a lump sum. That's why this calculator shows it separately from your EPF corpus.
When does TDS apply on a PF withdrawal?
If you withdraw your PF after 5 or more years of continuous service (including service with previous employers, if the PF was transferred), the withdrawal is tax-free — no TDS. If it's under 5 years and the amount is above ₹50,000, TDS applies: 10% if your PAN is linked to your EPF account, or 30% if it isn't.
Can I avoid TDS even with less than 5 years of service?
Yes, in some cases — if your total income for the year is below the taxable threshold, you can submit Form 15G (or Form 15H if you're a senior citizen) to your EPFO office to avoid TDS, even with under 5 years of service. This calculator shows the standard rule; check your specific eligibility with your EPFO office or a tax professional.
Does the employer really contribute 12% to my EPF account?
Not entirely — the employer's full 12% is split, with 8.33% (capped at the ₹15,000 EPS wage ceiling) going to the pension fund (EPS) and only the remainder going to your EPF account alongside your own 12%. This calculator shows both parts separately in the ‘Grow my EPF’ result.
Is this calculator accurate?
It's a close estimate using the standard EPF contribution rates, a flat interest rate you choose, and the current EPS wage ceiling. Your actual EPFO statement can differ slightly due to how interest is credited mid-year, any special allowances counted in your PF wage, or rate changes over the years — check your UAN passbook for your exact balance.
Is this tool free?
Yes, completely free with no sign-up. Everything is calculated in your browser and nothing you enter is uploaded or stored.
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