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EPF calculator.
The 12% that comes out of every payslip, and your employer's share, compounding until you retire. Most people have never seen what it adds up to.
EPF matures at 58.
Declared every year. 8.25% is the latest.
PF is worked out on
At 58, in 30 years
₹2.32 Cr
About ₹40.4 L in today's money, at 6% inflation. Tax free at maturity once you have five years of service.
- You put in
- ₹40.8 L
- Your employer puts in
- ₹36.3 L
- Balance today
- ₹2.0 L
- Interest adds
- ₹1.53 Cr
How it adds up
- Balance today₹2,00,000
- plusYour 12%, every month₹40,80,706
- plusYour employer's share₹36,30,886
- plusInterest at 8.25%₹1,53,00,621
- equalsAt 58, in 30 yrs₹2,32,12,213
What this assumes
The rate you set holds every year (it is declared yearly; 8.25% recently). Of your employer's 12%, up to ₹1,250 a month goes to the pension scheme, EPS, and is not in this balance. Assumes you never withdraw and your basic rises once a year.
Rules and rates from
Education only, not investment, tax or legal advice. I am not a SEBI-registered investment adviser.
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