Calculate your EPF corpus exactly as EPFO does — provisional monthly interest, employer EPS split, year-on-year growth, and the crossover year when your PF interest alone exceeds your monthly salary.
Provisional interest is calculated monthly on the running balance (including that month's deposits). All 12 monthly amounts are summed and credited in full in March at the end of the financial year.
Year
Basic / mo
Opening
Emp Contrib
Er EPF Contrib
Interest
Closing
★ marks the crossover year — when the annual interest earned exceeds your monthly salary.
Employee contributions
Employer EPF contributions
Interest earned
How to use
Enter your Basic + DA — PF is calculated on this, not your CTC or gross salary.
If you contribute more than 12% voluntarily (VPF), increase the employee % — same interest rate, 80C eligible.
Paste your existing PF balance from the EPFO passbook or UAN portal to project from today.
The Passbook tab shows exactly how EPFO computes provisional monthly interest and credits it in March.
The Growth Chart shows how the amber interest bar overtakes contributions in later years — that's compounding.
Frequently Asked Questions
How does EPFO calculate monthly interest?
Provisional interest is calculated each month on the running balance (opening balance + deposits that month). The 12 monthly amounts are summed and credited as a single entry in March, the end of the financial year.
What is EPS and why doesn't it appear in my passbook?
EPS (Employee Pension Scheme) takes 8.33% of salary (max ₹1,250/month) from the employer's 12% share. It goes into a separate pension pool — not your individual account. It funds a monthly pension after retirement, not a lump sum.
When does PF interest start exceeding my monthly salary?
At 8.25%, you need a corpus of ~145× your monthly salary for annual interest to match it. For ₹50,000 basic that means ~₹72 lakhs, typically reached around year 18–22. After that crossover, your PF earns more per year than your entire salary without you contributing another rupee.
Is VPF a good investment?
Yes — same 8.25% rate, sovereign-guaranteed, tax-exempt on maturity, and 80C-eligible. Typically outperforms bank FDs on post-tax returns. The only downside is lock-in; partial withdrawals require a qualifying reason.
Why is the employer EPF deposit lower than 12%?
The employer contributes 12% total but EPS takes up to ₹1,250/month from that. For a ₹50,000 basic: ₹6,000 − ₹1,250 = ₹4,750 actually reaches your EPF passbook. The EPS portion funds your pension separately.
Is EPF interest taxable?
No, if your employee EPF contribution stays within ₹2.5 lakh per year. Above that threshold (mainly for high VPF contributors), excess interest is taxable — a rule introduced from FY 2021-22.
Did you know?
EPF interest is fully tax-exempt on maturity — making its effective yield significantly higher than a bank FD at the same nominal rate.
EPFO manages over ₹20 lakh crore in assets, making it one of the largest retirement fund managers in the world.
Contribute for 10+ years and you become eligible for a monthly EPS pension for life — typically ₹1,000–7,500/month depending on service length and salary.
Interest on EPF above ₹2.5 lakh/year (employee share) became taxable from April 2022 — the first time in EPF's 70-year history that any part of it attracted tax.