01 / EPF
Employees' Provident Fund
EPF accumulates eligible contributions and interest in your provident fund account. Your actual balance depends on contributions, withdrawals, transfers, interest credits, and account history.
Free Retirement Planning Tool
Plan your retirement. Understand your pension.
Estimate your Employees' Provident Fund (EPF) balance and Employees' Pension Scheme (EPS) monthly pension using your salary, service period, and contribution details. Explore your retirement figures with a simple calculator.
Free to use
No sign-up required
Calculations stay in your browser
Retirement overview
Estimate only
Know what you're planning for.
Explore the two key parts of your EPF-related retirement benefits.
EPF savings
₹ —
Monthly EPS pension
₹ —
Eligible service
Years
Retirement age
58
Estimates depend on your inputs, applicable EPFO rules, eligible service, pensionable salary, and actual contribution history.
Make retirement planning easier to understand.
Review estimates before making financial decisions.
₹ EPF balance
↗ Pension estimate
⌁ Service years
✓ Instant calculation
EPF & EPS Calculator
Your retirement numbers,
made easier to understand.
Enter the details you know to estimate your EPF accumulation and potential monthly EPS pension. The results are illustrative and may not match the final figures calculated by EPFO.
ARTHNIX — EPF & EPS Pension Estimate
Enter your details
Use your EPF passbook, salary records, and service history where available.
Your Estimate
Retirement summary
Update the inputs to calculate your estimated EPF balance and potential monthly EPS pension.
Current EPF balance
Balance entered by you
₹3,00,000
Estimated future EPF contributions
Employee + employer EPF share
₹—
Estimated future interest
Based on your assumed annual rate
₹—
Additional service until retirement
Based on current age and retirement age
23 years
Estimated total eligible service
Past service + future service
33 years
Pensionable salary used
Monthly salary assumption for EPS
₹15,000
Estimated monthly EPS pension
₹—
Simplified formula estimate. Eligibility and official pension calculations may differ.
Estimated EPF corpus at retirement
Projected balance, not a guaranteed amount
₹—
These figures are estimates. Confirm eligibility, pensionable salary,
and contributions with EPFO before relying on them.
Your details stay on this page. This calculator processes your entries in your browser. It does not submit your salary, age, or service details to ARTHNIX.
Disclaimer: This report is an educational estimate, not an official EPFO statement, financial advice, or a guarantee of pension eligibility or payout. Verify your records and applicable rules with EPFO.
Understand Your Benefits
EPF and EPS are related,
but they work differently.
EPF is a retirement savings account funded by employee and employer contributions and credited interest. EPS is a pension scheme funded through the employer's contribution allocation under applicable rules. Your EPF balance and EPS pension therefore need separate estimates.
02 / EPS
Employees' Pension Scheme
EPS provides pension benefits for eligible members. A commonly used simplified formula uses pensionable salary multiplied by eligible pensionable service and divided by 70. Official calculations can involve additional rules and conditions.
03 / RETIREMENT
Plan with realistic assumptions
Your final EPF amount and EPS pension may depend on historical wages, membership dates, eligible service, withdrawals, contribution records, and the rules applicable to your membership.
Calculation Guide
How the estimates
are calculated.
The calculator uses simplified assumptions to make the numbers easier to explore. These calculations are not a substitute for your official EPF passbook or an EPFO pension determination.
| Estimate | Method used | Important limitation |
|---|---|---|
| Future service | Retirement age minus current age, converted to months for projection. | Assumes you continue eligible service without a break until the selected retirement age. |
| Monthly EPF contributions | Monthly salary multiplied by the employee EPF rate plus the entered employer EPF rate. | Actual contributions can vary because of wage ceilings, allowances, membership conditions, and employer payroll practices. |
| Future EPF corpus | Current balance grows using the assumed annual interest rate, with estimated monthly EPF contributions when enabled. | Actual interest is declared and credited under applicable EPF rules. The projection does not reproduce every account-level crediting detail. |
| Monthly EPS pension | Illustrative pensionable salary × eligible service ÷ 70. | Actual pension may depend on pensionable salary averaging rules, eligible service, rounding, wage ceilings, higher-pension provisions, and other EPFO rules. |
Please note: This calculator is not affiliated with EPFO
and does not access your UAN or official records. It does not determine
pension eligibility, withdrawal entitlement, tax treatment, or the amount
payable by EPFO. Check current official rules before making decisions.
Frequently Asked Questions
Common questions about
EPF and EPS.
Learn what the calculator estimates and what you should verify before making retirement or pension decisions.
What is the difference between EPF and EPS?
EPF is a provident fund that builds a balance through eligible contributions and interest. EPS is a pension scheme that may provide a recurring pension to eligible members under its rules. The EPF balance is not the same as the EPS pension entitlement.
How is the monthly EPS pension estimated?
A commonly referenced simplified formula is pensionable salary multiplied by pensionable service and divided by 70. This page uses that formula for an illustrative estimate. Your official pension can differ due to the applicable salary calculation, eligible service, membership history, and current EPFO provisions.
Does the calculator guarantee my retirement EPF balance?
No. It projects a possible balance based on the current balance, assumed interest rate, monthly salary, contribution rates, and remaining service. Actual contributions, interest credits, withdrawals, transfers, salary changes, and account-specific details may change the result.
Why does pensionable salary matter?
EPS pension calculations use pensionable salary under the applicable scheme rules, which may not be identical to your full monthly salary. Historical membership, applicable wage ceilings, and higher-pension arrangements can affect the salary figure used.
Can I use this calculator if I have less than 10 years of service?
You can use the calculator to explore an illustrative formula result, but a numerical estimate does not establish eligibility for a monthly pension. Pension eligibility and any other benefit depend on applicable EPS rules and your service record. Confirm your position with EPFO.
Does this calculator connect to my UAN or EPF account?
No. Do not enter your UAN, password, OTP, or other account credentials here. You must enter the figures yourself. The calculation is performed in your browser and is not submitted to ARTHNIX.
Where can I verify my official EPF and pension details?
Check your official EPF passbook, member portal, employer records, and EPFO guidance. Use official sources for eligibility, pension claims, withdrawals, transfers, and any higher-pension application or calculation.
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Make Informed Estimates
Understand your benefits.
Plan with clarity.
Use the calculator as a starting point, then confirm your actual EPF balance, service record, pension eligibility, and benefits with EPFO.
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