EPF Calculator

Input Details

EPF Summary

Monthly Employee Contribution: ₹0
Monthly Employer Contribution: ₹0
Total Monthly Contribution: ₹0
Total Investment: ₹0
Interest Earned: ₹0
EPF at Retirement: ₹0

Tax Calculation

Withdrawal Before 5 Years (with PAN): ₹0
Withdrawal Before 5 Years (without PAN): ₹0
Net Amount After Tax (with PAN): ₹0
Net Amount After Tax (without PAN): ₹0

EPF/PF Tax Rules

  • Tax on PF withdrawal for an amount > Rs. 50,000 before 5 years of opening the EPF account:
    • With PAN: TDS is 10%
    • Without PAN: TDS is 34.6%
  • PF withdrawal for an amount > Rs. 50,000 after 5 years of opening EPF account will not attract tax.
  • Contributions to the employees' provident fund or the PF qualify for tax deduction under Section 80C of the Income Tax Act.
  • If held till retirement, this contribution can be a good retirement corpus creator and one which is tax efficient, as the PF is totally tax exempt at the time of exit.

EPF Growth Over Years