PPF
Project the balance in a Public Provident Fund account over its 15-year term.
Savings and loans
EPF calculator
Project your Employees’ Provident Fund balance from your and your employer’s monthly contributions.
The government can change this rate every year. The EPF rate for the latest year is 8.25% a year at the moment, and we last checked it on 1 Nov 2026. Check the current rate before you rely on a result.
a month
Usually 12% of basic pay plus dearness allowance.
a month
The part that goes to the provident fund. The rest of the employer's 12% goes to the pension scheme.
%
Both contributions rise by this much each April.
years
On 1 April of that year.
Interest rate
The government can change this rate. The latest rate is assumed to continue.
In today’s money
Contributing ₹1,800 yourself and ₹550 from your employer each month for 25 years at the declared rate could build a balance of ₹22.19 lakh. In all ₹7.05 lakh is paid in.
- Paid in
- ₹7,05,000Of what is paid in: ₹5,40,000 from you, ₹1,65,000 from your employer.
- Interest earned
- ₹15,14,275≈ ₹15.14 lakh · 215% on top of what is paid in
- Balance at the end
- ₹22,19,275≈ ₹22.19 lakh
Growth, year by year
Tap or hover the chart, or use the slider, to read any year.
- Balance
- Paid in (you, employer and starting balance)
After 25 years
Balance
₹22,19,275
Paid in (you, employer and starting balance)
₹7,05,000
Year-by-year table
| Year | Balance | Paid in (you, employer and starting balance) |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹29,266 | ₹28,200 |
| 2 | ₹60,947 | ₹56,400 |
| 3 | ₹95,242 | ₹84,600 |
| 4 | ₹1,32,365 | ₹1,12,800 |
| 5 | ₹1,72,552 | ₹1,41,000 |
| 6 | ₹2,16,054 | ₹1,69,200 |
| 7 | ₹2,63,144 | ₹1,97,400 |
| 8 | ₹3,14,120 | ₹2,25,600 |
| 9 | ₹3,69,301 | ₹2,53,800 |
| 10 | ₹4,29,035 | ₹2,82,000 |
| 11 | ₹4,93,697 | ₹3,10,200 |
| 12 | ₹5,63,693 | ₹3,38,400 |
| 13 | ₹6,39,464 | ₹3,66,600 |
| 14 | ₹7,21,486 | ₹3,94,800 |
| 15 | ₹8,10,275 | ₹4,23,000 |
| 16 | ₹9,06,389 | ₹4,51,200 |
| 17 | ₹10,10,432 | ₹4,79,400 |
| 18 | ₹11,23,059 | ₹5,07,600 |
| 19 | ₹12,44,978 | ₹5,35,800 |
| 20 | ₹13,76,955 | ₹5,64,000 |
| 21 | ₹15,19,820 | ₹5,92,200 |
| 22 | ₹16,74,471 | ₹6,20,400 |
| 23 | ₹18,41,882 | ₹6,48,600 |
| 24 | ₹20,23,103 | ₹6,76,800 |
| 25 | ₹22,19,275 | ₹7,05,000 |
Where the total comes from
Tap a segment to see its rupees.
Interest earned₹15.14 lakh68% of total
Of the ₹22,19,275 total, ₹7,05,000 is paid in and ₹15,14,275 is interest earned.
Interest rate used
The EPF rate for the latest year is 8.25% a year, in force since 1 Apr 2025 and notified through 31 Mar 2026. Last checked on 1 Nov 2026.
From April 2026 onward no rate has been announced yet, so 8.25% is assumed to continue. The government can change it every year, and your result would change with it.
Rate used each year
- 2026-27: 8.25% (assumed)
- 2027-28: 8.25% (assumed)
- 2028-29: 8.25% (assumed)
- 2029-30: 8.25% (assumed)
- 2030-31: 8.25% (assumed)
- 2031-32: 8.25% (assumed)
- 2032-33: 8.25% (assumed)
- 2033-34: 8.25% (assumed)
- 2034-35: 8.25% (assumed)
- 2035-36: 8.25% (assumed)
- 2036-37: 8.25% (assumed)
- 2037-38: 8.25% (assumed)
- 2038-39: 8.25% (assumed)
- 2039-40: 8.25% (assumed)
- 2040-41: 8.25% (assumed)
- 2041-42: 8.25% (assumed)
- 2042-43: 8.25% (assumed)
- 2043-44: 8.25% (assumed)
- 2044-45: 8.25% (assumed)
- 2045-46: 8.25% (assumed)
- 2046-47: 8.25% (assumed)
- 2047-48: 8.25% (assumed)
- 2048-49: 8.25% (assumed)
- 2049-50: 8.25% (assumed)
- 2050-51: 8.25% (assumed)
What this assumes
- Each month the balance at the start of the month earns one twelfth of the year’s rate. The interest is added on 31 March.
- A month’s contribution starts earning from the next month.
- The rate for each year is the one EPFO declared; years not yet declared use the latest declared rate.
- Tax on interest, withdrawals and the pension scheme are not taken into account.
What next
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See what a bank fixed deposit pays when it matures, with interest added on as it compounds.
How it works
Each month the employee pays 12% of wages (basic pay plus dearness allowance) into the Employees’ Provident Fund, and the employer pays 12%. Of the employer’s share, 8.33% of wages up to the monthly wage ceiling of ₹25,000 goes to the Employees’ Pension Scheme, and the rest to your provident fund. That is why the employer box asks for the part that reaches the provident fund.
- Interest is worked out every month on the running balance at one twelfth of the year’s rate, and added to your account at the end of the year.
- The rate is declared once a year after the EPFO trustees recommend it and the government approves it.
Interest for a month = balance at the start of the month x declared rate ÷ 12
A worked example
Paying ₹1,800 a month yourself and ₹550 from your employer for 25 years, with the latest declared rate assumed to continue, builds a balance of ₹22,19,275 (₹22.19 lakh). You and your employer pay in ₹7,05,000 and the interest is ₹15,14,275. With no contributions, a balance of ₹1,00,000 earns 1,00,000 x 0.0825 = ₹8,250 in a year at 8.25%.
What it leaves out
- Tax on the interest and on withdrawals.
- Withdrawals, advances and the Employees’ Pension Scheme.
- Future rate changes. The latest declared rate is assumed to continue, which may not happen.
- Voluntary contributions above 12%.
Questions people ask
Who decides the EPF interest rate?
The Central Board of Trustees of the EPFO recommends a rate for each financial year, and the Central Government approves it. When we last checked, on 1 Nov 2026, the latest declared rate was 8.25% a year. It can be different next year.
Why is the employer box smaller than my employer’s 12%?
Part of the employer’s 12% goes to the pension scheme: 8.33% of wages, up to the wage ceiling in force. Only the rest reaches your provident fund. Your payslip or EPFO passbook shows the split.
When is the interest added to my account?
It is worked out month by month on the running balance and added at the end of the year. The rate is usually declared and credited some months after the year ends.
Does a pay rise change the result?
Yes. The yearly pay rise box raises both contributions each April by the percentage you enter. Leave it at zero if you do not expect a rise.
Why might my passbook differ from this result?
Contributions are credited when the employer pays them, which can be a month later. Pay changes, breaks in service and the exact credit dates also affect the passbook. This tool is a projection, not a statement.