Can I withdraw EPF before retirement?

Partial withdrawals are allowed for specific reasons like home purchase, medical emergencies or education, subject to EPFO rules on eligible service length.

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EPF Calculator

Q: Does this show my exact EPF balance?

No — it's a simplified projection using a combined 24% contribution assumption. In reality, the employer's share splits between EPF and the EPS pension scheme, so your actual EPF-only corpus may be somewhat lower.

Project how your EPF balance could grow to retirement, accounting for salary increments and compounding interest.

Contribution details

Current basic salary + DA (monthly) ₹30,000

Current EPF balance ₹0

Current age 30 yrs

Expected annual salary increment 5%

EPF interest rate (annual) 8.25%

Projected EPF corpus

Projected corpus at 58

₹0

Years to retirement₹0

Final monthly contribution (24%)₹0

How this EPF estimate works

Monthly contribution ≈ 24% of basic salary + DA (12% employee + ~12% employer, simplified)
Balance compounds monthly at the EPF interest rate; basic salary grows each year by the increment %

In reality, the employer's share splits between EPF (3.67% of basic) and the EPS pension scheme (8.33% of basic, capped near ₹15,000 basic), rather than the full 12% going to EPF. This calculator uses a simplified combined 24% contribution rate for an easy estimate — your actual EPF-only corpus may be somewhat lower once EPS is separated out.

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Figures are estimates for planning purposes only and do not constitute financial advice.