Year | Principal (A) | Interest (B) | Total Payment (A + B) |
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Calculating EPF returns online is easy with an EPF return calculator. Follow these steps to get accurate results using an EPF maturity calculator.
Enter Personal Details:
Start by inputting your current age and your expected retirement age, up to a maximum of 60 years.
Input Salary Information:
Provide your monthly basic pay and expected annual increment.
Contributions:
Carefully enter both the employee's and employer's contributions.
This step is crucial; mixing them up can lead to incorrect calculations.
Ensure the employee's contribution is within 12% of the basic pay range.
Interest Rate:
Input the current EPF interest rate.
As of now, it's 8.25% p.a., set by the government.
Employer's Contribution:
Note that the employer's contribution to EPF depends on your salary.
If your salary is ₹15,000 or less, the contribution is 3.67% of the gross salary.
If it's more, the employer's contribution is the difference between the employee's EPF contribution and the employer's EPS contribution.
Financial Planning Assistance:
Our tool is valuable for salaried individuals to plan their retirement.
It offers a clear picture of their projected Provident Fund (PF) balance at retirement,
showing how much they need to save each month to reach their financial goals.
Easy Tracking:
KreditBee's calculator simplifies the process by automating the calculation of total contributions and accrued interest.
This removes the need for manual calculations and ensures accurate tracking of retirement savings.
Instant Updates:
Users receive immediate updates on any changes in the policies, such as adjustments in interest rates or contribution ratios.
This helps them in making informed decisions about their investments and savings strategies.
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