Estimate your EPF retirement corpus, monthly contribution split, EPS pension and TDS on early withdrawal — using current EPFO rules.
Projects your EPF balance at retirement, including employer contribution, annual increments and compounding interest.
EPS (pension) contributions are excluded from this figure — they are shown separately in the EPS Pension tab.
Shows exactly where your 12% and your employer's 12% go each month, including the EPS split.
Employer pays 8.33% to EPS (capped at ₹2,083/month when the ₹25,000 ceiling applies) and the balance of its 12% to EPF. Ceiling raised from ₹15,000 to ₹25,000 effective 17 September 2026.
Estimates your monthly EPS pension using the standard EPFO formula: pensionable salary × pensionable service ÷ 70.
A minimum of 10 years' eligible service is required to draw a monthly pension. Below that, you may be eligible for a withdrawal benefit instead. The pensionable-wage ceiling is ₹25,000/month from 17 September 2026 onward (previously ₹15,000) — this calculator uses the current ceiling and does not separately weight older service contributed at the lower ceiling.
Estimates tax deducted at source if you withdraw your EPF before completing five years of continuous service.
No TDS applies after five years of continuous service, or where the withdrawal is below ₹50,000. This is an estimate of TDS only, not your final income-tax liability.
Mismatches usually point to missing employer contributions, unmerged UANs or untransferred balances. We can trace exactly what's missing.
