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AG World Tools
EPF & VPF Calculator · Retirement Corpus Projection
✓ 8.25% Sovereign Rate
https://agworld.co.in/epf-calculator/
EPF & VPF Calculator
Calculate your accumulated retirement corpus, employer matching share, voluntary top-up (VPF), and estimated monthly pension under EPS-95 with official 8.25% sovereign returns.
🏛️ Official Rate: Rate as of 31 October 2026 (8.25% p.a.)•EPFO Official Source•Verification: Official Circular Sourced
✓ 8.25% Sovereign
👤 No Registration
🛡️ 100% Tax-Free
⚡ Instant Results
Salary & Contribution Details
Fifty Thousand Rupees
₹
%
Mandatory 12%
%
VPF:
5% p.a.
%
Yrs
Yrs
8.25%
%
Retirement Corpus & Pension Projection
Total EPF + VPF Retirement Corpus
₹2,80,60,028
Two Crore Eighty Lakh Sixty Thousand Twenty-Eight Rupees
✓ Accumulated over 30 Years (Age 28 to 58)
Employee Share (EPF+VPF)
₹47,83,597
Employer Share (EPF)
₹43,33,777
Total Interest Earned
₹1,89,42,653
Est. Monthly EPS Pension
₹6,857/mo
Emp: 17.0%
Empr: 15.5%
Interest: 67.5%
100% Tax-Free Status (Budget 2021 Compliant): Your annual employee contribution starts well within the ₹2,50,000 statutory tax-free threshold. All interest earned remains completely exempt from income tax under Section 10(11).
Year-by-Year EPF & Pension Accumulation Schedule
Detailed breakdown of monthly basic wages, annual increments, employee + employer shares, interest credits, and closing balances.
| Year | Age | Monthly Basic | Opening Balance | Employee Deposit | Employer EPF | Interest Credited | Closing Balance | Tax Status |
|---|
Key Insights
- Sovereign Return 8.25% p.a. (Govt Guaranteed)
- Contribution Split 12% Employee + 12% Employer
- EPS Pension Pool 8.33% of Basic (₹15k cap)
- Tax Exemption EEE under Section 10(11)
EPFO Rules
- Retirement Age 58 Years
- Tax-Free Exit After 5 Continuous Years
- Service Weightage +2 Years after 20 Yrs Service
- Voluntary Top-Up VPF up to 100% of Basic
Frequently Asked Questions
What is the current EPF interest rate in 2026?
The Central Board of Trustees (CBT), EPFO has approved an interest rate of 8.25% per annum. Interest is calculated on the monthly running balance and officially credited at the close of every financial year on March 31.
Can I withdraw my EPF balance before retirement?
Yes. Non-refundable partial withdrawals (advances) are permitted for specific life events: purchasing or constructing a house (after 5 years), medical emergencies, higher education or marriage of children (after 7 years), and continuous unemployment for more than 1 month (75% withdrawal).
Is EPF withdrawal taxable if I leave my job?
If you withdraw your EPF balance after completing 5 continuous years of service, the entire withdrawal is 100% tax-free. If withdrawn before completing 5 years, employer contribution and interest become taxable in the year of receipt, and TDS is deducted.