PLAN FOR RETIREMENT · EPF CORPUS & TAX CALCULATOR

Where will your EPF be?
And how much of its interest is taxable?

Project your EPF balance month by month to retirement. Interest on your own contributions above ₹2.5 lakh a year is taxable; see when you cross that limit, how much interest it makes taxable each year, and what to do about it.

Your EPF

Results update as you type. Your passbook on the EPFO member portal or UMANG has the balances.

Salary
₹
PF is worked out on Basic + DA, not on your full salary. 12% of it is your share.
%
years
The rise is applied each April.
Your EPF today
₹
Your share plus the employer’s share. Leave out the pension (EPS) amount.
₹
Shown separately in your passbook. 0 if your own contributions have stayed within ₹2.5 lakh a year since April 2021.
Projection
% a year
years
8.25% for 2024-25 and 2025-26; the rate is declared every year. EPF matures at 58.
%
Taxable interest is added to your income, so it is taxed at your top rate. The surcharge levels are for total income; new tax regime.
Contribution detailsVPF, pension (EPS), wage ceiling, start year
% of Basic
Extra you choose to put in, on top of the 12%. It earns the same interest and counts towards the ₹2.5 lakh limit.
Some employers contribute only on the statutory wage ceiling. Your payslip shows which.
The pension share goes to EPS, not to your EPF balance. Members who joined after Sept 2014 with Basic + DA above the ceiling are usually not in EPS.
The Cabinet approved ₹25,000 in September 2026; it applies once notified.
₹
For the separate ₹7.5 lakh limit on what your employer puts into your provident fund, NPS and superannuation.

An educational tool, not tax or investment advice. The projection assumes the interest rate, salary rise and rules entered stay the same; EPF interest is declared every year and the rules can change. Tax is an estimate at the rate you enter. Check your passbook and consult a tax adviser before acting.