EPF
EPF Calculator
Project a provident-fund corpus from monthly basic plus DA, employee and employer contribution percentages, and an assumed interest rate.
What is included
Monthly PF is (employee % + employer %) of the basic + DA you enter. That contribution is compounded like a monthly SIP at the assumed annual rate divided by 12.
EPF model
Monthly PF = Basic × (employee % + employer %); then SIP-style compounding
Contributions are treated as a level monthly annuity-due at the assumed annual rate divided by 12.
Frequently asked questions
Is the default rate the EPFO rate?
No. It is an editable assumption and is not presented as the notified EPF rate. Confirm independently.
Do you split EPS and EPF?
No. Employer contribution is treated as going into the same compounding pot. Wage ceilings and EPS are not modelled.
Can salary grow over time?
This version holds basic constant. For a raise, run a second scenario with a higher basic.
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SmartCalculators provides educational calculators and estimates. Results are for informational purposes only and should not be considered financial, tax, investment, legal or professional advice.