PF calculator
On a ₹12L CTC, ₹8,350 flows into your EPF every month. At the current 8.25% rate, that compounds to ₹6.2L in 5 years, before any salary growth, so treat it as a floor.
Monthly flows into your PF
Compounded monthly on a constant basic. Every hike raises the flow, so the real corpus lands higher. EPF interest is tax-free up to ₹2.5L of annual contribution.
Frequently asked questions
You contribute 12% of basic; your employer contributes 12% more, of which 8.33% (capped at ₹1,250) goes to EPS pension and the rest to EPF. On the default basic that is ₹8,350 a month combined.
8.25% per annum (EPFO, FY 2025-26 rate, credited annually). This calculator compounds monthly contributions at that rate.
Transfer, don't withdraw. Withdrawals before 5 years of continuous service are taxable and break compounding. Transfers via UAN keep the corpus intact.
Tax-free up to ₹2.5 lakh of your own annual contribution (₹5 lakh where the employer doesn't contribute); interest on contributions above that is taxed.