Project your Employees' Provident Fund (EPF) retirement balance with annual salary increments, 12% employee + 3.67% employer EPF contribution, and 8.25% compounding.
| Starting Monthly Basic | 15 Years Corpus | 20 Years Corpus | 25 Years Corpus | 30 Years Corpus |
|---|---|---|---|---|
| ₹30,000/mo | ₹28.4 Lakh | ₹54.8 Lakh | ₹1.01 Crore | ₹1.82 Crore |
| ₹50,000/mo | ₹49.2 Lakh | ₹94.9 Lakh | ₹1.75 Crore | ₹3.15 Crore |
| ₹75,000/mo | ₹75.1 Lakh | ₹1.45 Crore | ₹2.67 Crore | ₹4.81 Crore |
| ₹1,00,000/mo | ₹1.01 Crore | ₹1.95 Crore | ₹3.59 Crore | ₹6.47 Crore |
Out of the employer's 12% contribution, 8.33% (up to ₹1,250/month on the ₹15,000 EPS wage ceiling) goes to the Employees' Pension Scheme (EPS), while the remaining balance goes into your compounding EPF account.
Interest earned on employee EPF + VPF contributions exceeding ₹2.5 lakh in a financial year is taxable.