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EPF Calculator Calculate your PF balance at Retirement age

This Epf Calculator helps you to know your accumulated epf balance with interest rate, for a certain time or retirement age. you just have to select current age & Monthly pf contribution to pf (which 12% of Basic salary +DA).

How do EPF Calculators work?

Government Adds interest rate every year.
Your Contribution 12% (minimum)
Maximum 100% also Under VPF (Volunteer PF but govt indicated tax on VPF but not on EPF).
Employer Contribution: 3.67%

Pension amount: 12% by EMployer not added here. the separate calculation for EPS Pension scheme.

 

Present EPF Interest Rate Ay 2019-20: 8.65%

You may also check epf balance by downloading epf passbook

 

the pension contribution is 8.33% of your basic salary but it is limited to 1250/month. This amount is 8.33% of 15,000.

minimum pension of ₹1000/month

if you don’t complete 10 years in the service or epf subscription, you would not be able to get the monthly pension.

but you get pension benefits but, you must have completed at least 6 months.

Deemed Pension /Reduced Pension

age of 50
reduced by 4% for every lost year

defer /Enhanced Pension

the pension would increase by 4%. You can defer pension up to the age of 60.

 

VPF impact on epf contribution

VPF earns same interest as epf,  you can add VPF+EPF = full epf + interest= maturity.

VPF = 100% Basic pay (80C tax deduction allowed)

Tax on VPF: just like  epf you withdraw before 5 years it attracts tax but the limits 30,000 -50,000

check of withdrawal rules & tax

 

Why pf withdrawal not a good idea loss of 15 lakhs for 5 lakh withdrawal?

Maximum Wage Ceiling Is Rs.15,000)

salary 20000
monthly contribution: 12%. 3.67%

1800+550.5=2350.5

Retirement Age 55

present age 25
interest rate 8.65%*

EPF Balance at Maturity ₹ 39,14,768 25 years to 55

EPF Balance at Maturity ₹ 24,65,259 3o to 55 years

3914768-2465259=14,49,509

first five year EPF balance will be Rs 6,27,101.
PF maturity amount of Rs 18,12,619.

 

Epf pension calculator  EPS

will be added soon.





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Calculators

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Disclaimer

Note: We are not affiliated with EPFO. created this sole purpose of helping people & awareness about pf.

All the questions answered in the Articles, ask your questions in the comment.


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