अपने EPF (कर्मचारी भविष्य निधि / पीएफ) में मासिक योगदान, ब्याज दर और सर्विस अवधि के आधार पर अनुमानित मैच्योरिटी/रिटायरमेंट कोष की गणना करें।
यह कैलकुलेटर केवल सूचनात्मक और अनुमान के उद्देश्यों के लिए प्रदान किया गया है। इसे वित्तीय सलाह नहीं माना जाना चाहिए। कोई भी वित्तीय निर्णय लेने से पहले कृपया एक योग्य वित्तीय सलाहकार से परामर्श करें।
EPF contributions are generally calculated on Basic Salary (and sometimes DA). Many employers use 12% of basic as EPF.
EPF interest rate is notified each year by EPFO (e.g., around 8.1%–8.5%). Use the latest rate for better accuracy.
Enter basic salary, EPF rates, interest rate and duration to estimate your EPF retirement corpus.
Monthly Basic Salary (मासिक मूल वेतन):
EPF is usually calculated on your Basic Salary (and in some companies on Basic + DA). Higher basic means higher contribution and a larger retirement corpus.
Employee & Employer EPF Rates (कर्मचारी व नियोक्ता दरें):
By default, both contribute around 12% of basic. Part of the employer's share may go to EPS (pension), but this calculator clubs the full employer contribution as EPF for simplicity.
EPF Interest Rate (ईपीएफ ब्याज दर):
The EPFO declares an annual interest rate every year. This tool uses a constant rate over the entire period to give a rough projection of your corpus.
Investment Duration (निवेश अवधि):
The number of years you remain in EPF-covered employment. Longer duration lets compounding work harder and can create a very large retirement fund.
Monthly Contribution = (Basic × Employee % + Basic × Employer %)
EPF Corpus ≈ Σ (Monthly Contribution) compounded at monthly interest rate over total months
This calculator simulates monthly contributions with interest credited every month at a constant rate (annual rate ÷ 12). In reality, EPF interest is credited annually on monthly running balances, and employer contributions are partially split with EPS. The approximation is good enough for planning and goal setting.
Do's:
Don'ts: