Finance Calculator
How to use this calculator
Enter monthly basic pay plus DA, current and retirement ages, existing balance, annual salary growth and interest. Retirement age must be greater than current age.
How the estimate is calculated
The app model uses employee contributions of 12% of basic. It separates an employer EPS share calculated on capped wages, accrues monthly interest on the running balance and credits interest at year end.
Assumptions and exclusions
Contribution eligibility, wage definitions, EPS treatment and notified interest may differ by individual. The estimate excludes withdrawals and employment gaps; it is not an official EPFO statement.