Is employer contribution fully in EPF?

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EPF Calculator

Project EPF corpus from employee and employer contributions.

Last updated 2026-09-17

Monthly basic + DA₹YearsyrsEPF interest rate%

Projected corpus

₹65,77,563

Monthly EPF (employee + employer EPF)

₹10,751

Employee ₹6,000 · Employer EPF ₹4,751 · EPS ₹1,250 (ceiling ₹15,000)

Invested in EPF (ex-EPS)

₹25,80,120

How it works

Employee 12% of basic + employer 12% of basic, compounded at the EPFO rate (simplified; EPS split is ignored).

How to use this calculator

Enter the inputs shown above (amount, rate, tenure, income, or other fields).
Read the live results — they update as you type.
Check the formula, worked example, and assumptions on this page before you decide.

Formula

Employee 12% of basic + employer 12% of basic, compounded at the EPFO rate (simplified; EPS split is ignored).

Worked example

₹50,000 basic for 20 years at 8.25% can grow the combined 24% contribution to a sizeable retirement corpus.

Reading the result

Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.

See also: calculation methodology and disclaimer.

Frequently asked questions

A part of employer share goes to EPS (capped). This calculator uses a simplified 12% + 12% model for planning.

Assumptions and limits

This is a planning estimate. Your lender, employer, or tax officer may use different inputs or rounding.

Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.

Sources

EPFO

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