---
type: "tool"
title: "EPF Calculator"
description: "Estimate EPF contributions, interest, maturity value and pension components with a practical year-by-year provident fund savings projection."
resource: "https://www.gstcalculators.in/epf-calculator.html"
language: "en"
bundle_generated: "2026-10-12"
---

# EPF Calculator

Estimate EPF contributions, interest, maturity value and pension components with a practical year-by-year provident fund savings projection.

- Canonical page: [EPF Calculator](https://www.gstcalculators.in/epf-calculator.html)
- Publisher: [Tool Master Hub / GSTCalculators.in](../site.md)
- Category: [Investment and Savings Calculators](../categories/invest.md)

This is a discovery summary of the public page, not an independently reviewed replacement. Use the canonical page for current inputs, assumptions, formulas, source links and results. The bundle generation date does not mean that tax rules were reviewed on that date.

## Topics on the page



## Questions and answers from the visible page

### What percentage goes into EPF each month?

Employees contribute 12% of Basic+DA, and the employer matches with 12%, of which 8.33% (capped) usually goes to the Employees' Pension Scheme (EPS) and the rest to EPF.

### Is EPF interest taxable?

Interest on employee contributions above ₹2.5 lakh per year (₹5 lakh if there's no employer contribution) is taxable — otherwise EPF enjoys EEE (Exempt-Exempt-Exempt) tax status.

### Can I withdraw EPF before retirement?

Partial withdrawals are allowed for specific purposes (medical emergencies, home purchase, education, marriage) subject to service-period conditions; full withdrawal is allowed after 2 months of unemployment.

## Accuracy and corrections

[Methodology](https://www.gstcalculators.in/methodology.html) · [Editorial policy](https://www.gstcalculators.in/editorial-policy.html) · [Disclaimer](https://www.gstcalculators.in/disclaimer.html) · [Report a problem](https://www.gstcalculators.in/contact.html).