EPF Interest Calculator
Project what your PF balance earns using the monthly running balance method. Adjust any value — nothing is fixed.
Total contributions
₹2,16,000
Interest earned
₹1,21,297
Projected balance
₹4,87,297
| Year | Opening | Contributions | Interest | Closing |
|---|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹43,200 | ₹14,009 | ₹2,07,209 |
| Year 2 | ₹2,07,209 | ₹43,200 | ₹18,728 | ₹2,69,137 |
| Year 3 | ₹2,69,137 | ₹43,200 | ₹23,837 | ₹3,36,174 |
| Year 4 | ₹3,36,174 | ₹43,200 | ₹29,368 | ₹4,08,742 |
| Year 5 | ₹4,08,742 | ₹43,200 | ₹35,355 | ₹4,87,297 |
How this is calculated
Interest for each month is calculated on the balance before that month’s contribution. Contributions are assumed credited at month end and earn interest from the following month. The annual total is rounded to the nearest rupee and credited at year end. This assumes uninterrupted monthly contributions.
This is an illustrative projection, not a promise of the rate EPFO will declare or of what your passbook will show. The rate can change each financial year, and actual credit dates and account entries affect the result.
How EPF Interest Is Calculated
EPF interest is calculated on the member's monthly running balance and credited annually. Under paragraph 60 of the EPF Scheme, contributions earn interest from the first day of the month after the month in which they are credited to the account. The annual interest amount is rounded under the Scheme's rules. The example below assumes contributions are credited at each month-end, so each month's contribution starts earning interest in the following month.
The CBT recommended 8.25% for FY 2025–26 on 2 March 2026. The Government notification was not located in official sources checked on 16 October 2026, and no FY 2026–27 rate was found. See the EPF interest-rate history and the EPF Scheme.
Worked example: ₹5,00,000 opening balance
Assume an opening balance of ₹5,00,000 on 1 April, a ₹5,000 contribution credited at each month-end, and an illustrative annual rate of 8.25% for this year. This example excludes withdrawals, breaks in contributions and differences between actual credit dates.
| Item | Calculation | Amount |
|---|---|---|
| Opening balance | As at 1 April | ₹5,00,000 |
| Contributions credited during year | ₹5,000 × 12 | ₹60,000 |
| Interest before annual rounding | ₹0.006875 × (₹5,00,000 + ₹5,05,000 + … + ₹5,55,000) | ₹43,518.75 |
| Interest after annual rounding | Nearest rupee under the Scheme | ₹43,519 |
| Illustrative closing balance | Opening + contributions + rounded interest | ₹6,03,519 |
In practice, use the amounts and dates shown in your EPFO passbook. If an employer contribution is credited later than assumed here, the interest timing changes. A passbook difference can also result from withdrawals, wage changes, missed or corrected returns, and the annual rounding rule.
Use a projection carefully
Our EPF calculator projects interest from the inputs you provide. It assumes month-end contributions and repeats the selected rate for future years; it does not fetch EPFO declarations or reproduce every passbook transaction. Change the rate when the official rate for a later year is announced, and treat the result as an estimate.
For a real discrepancy, first compare the passbook's credited contributions and interest entry with your payroll and EPFO records. Ask the employer to correct missing or delayed entries, or raise the issue with EPFO through its official grievance channel. Do not rely on a projection as proof of the exact amount due.