EPF Retirement Calculator
Plan your future with the latest EPFO interest rate of 8.25% for FY 2026-27.
Configure Your Details
$
$ 500,000
Total Maturity Value at Retirement (Age 58)
$ 77,217,433
Estimated based on 8.25% p.a. interest rate
Total Contributions
$ 22.84 M
Total Interest Earned
$ 53.88 M
Corpus Growth Over Career
CorpusContribution
Age 25
Age 33
Age 45
Age 58
Everything you need to know about EPF
EPF Interest Rate 2026
The Ministry of Finance recently approved an interest rate of 8.25% for the financial year 2026-27. This is the highest rate in the last three years.
View HistoryHow EPF is Calculated
Your contribution is 12% of (Basic + DA). Employer's contribution is divided: 3.67% to EPF and 8.33% to EPS (Pension Scheme).
Read FormulaWithdrawal Rules
You can withdraw your EPF fully only after retirement or if you remain unemployed for more than 2 months. Partial withdrawals allowed for major life events.
Latest RulesWant to see your detailed salary breakdown?
Use our CTC Calculator to see how your in-hand salary is affected by EPF deductions and other components.