ArthaSiddhi
EPF Contribution & Growth Calculator
Estimate EPF contribution allocation and future accumulation.
Inputs and assumptions
Update any value to recalculate instantly.
Editable assumption; it is not guaranteed for future years.
Estimated result
Full-precision engine values are formatted only for display.
Employee EPF / month
₹1,800.00
Employer EPF / month
₹550.50
Employer EPS / month
₹1,249.50
Total employer contribution
₹1,800.00
Opening EPF balance
₹0.00
Total employee EPF
₹2,16,000.00
Total employer EPF
₹66,060.00
Total EPS diversion
₹1,49,940.00
Estimated interest/growth
₹1,57,002.05
Estimated EPF closing balance
₹4,39,062.05
Rules & assumptions
- Rule period
- Rules verified 16 August 2026
- Last verified
- 2026-08-16
Official sources
- Present rates of contributionEmployees' Provident Fund Organisation
- EPFO frequently asked questionsEmployees' Provident Fund Organisation
Based on the cited official material; verify current rules before making an actual decision.
How this is calculated
The projection adds estimated monthly employee and employer EPF contributions before applying a monthly-equivalent interest assumption. EPS diversion is excluded from the projected EPF balance.
Important limitations
- Contribution eligibility, EPS applicability, and contribution on wages above the statutory ceiling can differ by employment circumstances and arrangements.
- Standard rates and wage ceilings can change. The interest rate is editable and not guaranteed.
- EDLI and administrative charges are not included in member accumulation.
- This simplified projection is illustrative and will not exactly reproduce EPFO passbook accounting, annual interest crediting, or statutory rounding.
Review the Financial Disclaimer before using an estimate for an important decision.