EPF Withdrawal Simulator

Your Employee Provident Fund (EPF) is likely your biggest retirement asset. It is a powerful tool where both you and your employer contribute to build a tax-free corpus.

Use this simulator to estimate your total PF balance, factoring in Voluntary PF (VPF), salary hikes, and potential withdrawals.

₹
%

12% is mandatory. Anything above is VPF.

Yr
%

Simulate impact of withdrawing PF when changing jobs.

Total You Contributed
₹ 0
Employer Contributed
₹ 0
Interest Earned
₹ 0
Final Corpus (Age 58)
₹ 0
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Understanding Your EPF

Employee Contributions: 12% of your Basic Salary + DA goes here. You can voluntarily increase this (VPF) up to 100% of your basic. VPF enjoys the same 8.25% sovereign guarantee.

Employer Contributions: Your employer matches the 12%. However, 8.33% goes to the Pension Scheme (EPS) and only 3.67% goes to your PF withdrawal corpus.

Impact of Withdrawals

Withdrawing your PF when changing jobs destroys your retirement compounding. As the simulator shows, even a 50% withdrawal at age 35 can reduce your final corpus by crores.

Disclaimer

Educational Use Only: This tool is meant for estimation purposes. Actual returns may vary based on market conditions.