How the EPF Calculator works
You contribute 12% of basic + DA, and your employer puts 3.67% into EPF (the rest of its 12% goes to the pension scheme EPS). Interest is calculated monthly and added once a year. The calculator uses the rate you enter for every future year; the rate for 2025-26 is 8.25%.
Questions people ask
Is the employer's 8.33% included?
No. That part goes to EPS (pension), not your EPF balance.
Results are estimates for planning only, not advice or a promise of returns.