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Employee Provident Fund (EPF) is a mandatory retirement savings scheme in many countries where both employer and employee contribute toward a pension fund. Our EPF calculator helps you estimate your EPF maturity amount, total contributions, and interest earnings over your working years, giving you a clear picture of your retirement corpus.
Enter your monthly EPF contribution, current EPF balance (if any), expected tenure, and interest rate. The calculator compounds your contributions monthly and shows the projected maturity amount, total interest earned, and complete investment breakdown.
EPF interest rates are declared annually and compounded monthly. Historical rates have ranged from 8-9%, but always check the latest rates from your EPF authority. Higher interest rates significantly boost your retirement corpus due to the power of compounding over long periods.
Continue EPF contributions even after job changes, consider voluntary contributions if eligible, and use the calculator regularly to track progress. EPF provides tax benefits and guaranteed returns, making it a cornerstone of retirement planning.
EPF interest rates vary by country and are declared annually. Check with your local EPF authority for the latest rates.
EPF withdrawals before retirement are restricted and usually only allowed for specific purposes like home purchase or medical emergencies, subject to regulations.
EPF offers guaranteed returns, tax benefits, and is mandatory for salaried employees, making it a secure retirement planning tool.