EPF Calculator

It uses the standard employee contribution of 12% of basic salary, compounded annually at the interest rate you enter — this is the employee's own EPF contribution, calculated on basic salary alone.

No, this estimates the corpus from the employee's 12% contribution only. In practice, the employer also contributes, with part of that routed to the EPS pension scheme rather than the EPF corpus — see the Pension Calculator for that portion.

The EPF interest rate is declared annually and can change year to year, so treat this as an estimate based on the rate you enter, not a guaranteed return.

EPF withdrawals after 5 years of continuous service are generally tax-free; withdrawing earlier can attract tax, subject to current rules.

EPF is a fixed-rate provident fund with employer+employee contributions and a declared annual rate, while NPS is a market-linked pension scheme where returns depend on the funds you choose — see the NPS Calculator for that comparison.