财务 / 印度
EPF计算器：以卢比估算
根据基本工资+DA、工资增长率及员工/雇主缴费比例，估算EPF退休基金。
EPF计算器：以卢比估算: 按完整基本工资+DA的12%计算员工缴费，并按所选工资基数的12%计算雇主缴费。EPS按不超过₹15,000的工资部分计入8.33%，雇主缴费的剩余部分计入EPF。EPS缴费会单独显示，不计入退休基金。利息按每月期初余额计算，并按年度计入。 完全在浏览器中本地运行，文件不会上传到服务器。
- 类别
- 商务与管理工具
- 使用次数
- 在浏览器中
- 费用
- 免费·无需注册
- 可用性
- 可直接使用
完全在浏览器中运行
结果仅为估算。利率、付款日期、费用和税费可能改变实际金额。
这是根据FY 2025–26最新通知设定的可编辑默认值。使用前请查看最新通知。
官方利率来源
员工将基本工资＋DA的12%缴入EPF。雇主按所选工资基数缴纳12%：EPS按工资的8.33%计提，工资基数上限为₹15,000，其余计入EPF。EPS属于养老金缴费，不计入此资金池。
本估算假设参保人符合EPS资格，预测期间员工按全额工资缴费，雇主始终采用所选工资基数。模型不考虑EPS资格、更高养老金选项或与年龄相关的变化。缴费在月末到账；利息按每月期初余额累计，并按年计入。工资每年上涨一次。
EPF余额
第1年至第30年图表范围：₹0至₹1,59,86,937.55
| 年度 | 存款 | 支取 | 利息／增长 | EPF余额 |
|---|---|---|---|---|
| 1 | ₹71,406 | ₹0 | ₹2,700.04 | ₹74,106.04 |
| 2 | ₹75,726 | ₹0 | ₹8,977.14 | ₹1,58,809.18₹1.59 lakh |
| 3 | ₹80,262 | ₹0 | ₹16,136.66 | ₹2,55,207.84₹2.55 lakh |
| 4 | ₹85,024.8 | ₹0 | ₹24,269.65 | ₹3,64,502.29₹3.65 lakh |
| 5 | ₹90,025.74 | ₹0 | ₹33,475.54 | ₹4,88,003.57₹4.88 lakh |
| 6 | ₹95,276.73 | ₹0 | ₹43,862.95 | ₹6,27,143.24₹6.27 lakh |
| 7 | ₹1,00,790.26₹1.01 lakh | ₹0 | ₹55,550.45 | ₹7,83,483.95₹7.83 lakh |
| 8 | ₹1,06,579.48₹1.07 lakh | ₹0 | ₹68,667.46 | ₹9,58,730.89₹9.59 lakh |
| 9 | ₹1,12,658.15₹1.13 lakh | ₹0 | ₹83,355.18 | ₹11,54,744.22₹11.55 lakh |
| 10 | ₹1,19,040.76₹1.19 lakh | ₹0 | ₹99,767.63 | ₹13,73,552.61₹13.74 lakh |
| 11 | ₹1,25,742.5₹1.26 lakh | ₹0 | ₹1,18,072.73₹1.18 lakh | ₹16,17,367.83₹16.17 lakh |
| 12 | ₹1,32,779.32₹1.33 lakh | ₹0 | ₹1,38,453.56₹1.38 lakh | ₹18,88,600.72₹18.89 lakh |
| 13 | ₹1,40,167.99₹1.4 lakh | ₹0 | ₹1,61,109.66₹1.61 lakh | ₹21,89,878.37₹21.9 lakh |
| 14 | ₹1,47,926.09₹1.48 lakh | ₹0 | ₹1,86,258.42₹1.86 lakh | ₹25,24,062.87₹25.24 lakh |
| 15 | ₹1,56,072.09₹1.56 lakh | ₹0 | ₹2,14,136.66₹2.14 lakh | ₹28,94,271.62₹28.94 lakh |
| 16 | ₹1,64,625.39₹1.65 lakh | ₹0 | ₹2,45,002.31₹2.45 lakh | ₹33,03,899.33₹33.04 lakh |
| 17 | ₹1,73,606.36₹1.74 lakh | ₹0 | ₹2,79,136.19₹2.79 lakh | ₹37,56,641.88₹37.57 lakh |
| 18 | ₹1,83,036.38₹1.83 lakh | ₹0 | ₹3,16,844.02₹3.17 lakh | ₹42,56,522.28₹42.57 lakh |
| 19 | ₹1,92,937.9₹1.93 lakh | ₹0 | ₹3,58,458.55₹3.58 lakh | ₹48,07,918.73₹48.08 lakh |
| 20 | ₹2,03,334.5₹2.03 lakh | ₹0 | ₹4,04,341.88₹4.04 lakh | ₹54,15,595.11₹54.16 lakh |
| 21 | ₹2,14,250.92₹2.14 lakh | ₹0 | ₹4,54,887.96₹4.55 lakh | ₹60,84,733.99₹60.85 lakh |
| 22 | ₹2,25,713.17₹2.26 lakh | ₹0 | ₹5,10,525.33₹5.11 lakh | ₹68,20,972.49₹68.21 lakh |
| 23 | ₹2,37,748.53₹2.38 lakh | ₹0 | ₹5,71,720.1₹5.72 lakh | ₹76,30,441.11₹76.3 lakh |
| 24 | ₹2,50,385.65₹2.5 lakh | ₹0 | ₹6,38,979.1₹6.39 lakh | ₹85,19,805.86₹85.2 lakh |
| 25 | ₹2,63,654.64₹2.64 lakh | ₹0 | ₹7,12,853.42₹7.13 lakh | ₹94,96,313.92₹94.96 lakh |
| 26 | ₹2,77,587.07₹2.78 lakh | ₹0 | ₹7,93,942.16₹7.94 lakh | ₹1,05,67,843.15₹1.06 crore |
| 27 | ₹2,92,216.12₹2.92 lakh | ₹0 | ₹8,82,896.48₹8.83 lakh | ₹1,17,42,955.75₹1.17 crore |
| 28 | ₹3,07,576.63₹3.08 lakh | ₹0 | ₹9,80,424.09₹9.8 lakh | ₹1,30,30,956.47₹1.3 crore |
| 29 | ₹3,23,705.16₹3.24 lakh | ₹0 | ₹10,87,294.01₹10.87 lakh | ₹1,44,41,955.64₹1.44 crore |
| 30 | ₹3,40,640.12₹3.41 lakh | ₹0 | ₹12,04,341.79₹12.04 lakh | ₹1,59,86,937.55₹1.6 crore |
按年度划分的缴费（每月金额）
| 年度 | 基本工资＋DA | 员工EPF | 雇主EPF | 雇主EPS |
|---|---|---|---|---|
| 1 | ₹30,000 | ₹3,600 | ₹2,350.5 | ₹1,249.5 |
| 2 | ₹31,500 | ₹3,780 | ₹2,530.5 | ₹1,249.5 |
| 3 | ₹33,075 | ₹3,969 | ₹2,719.5 | ₹1,249.5 |
| 4 | ₹34,728.75 | ₹4,167.45 | ₹2,917.95 | ₹1,249.5 |
| 5 | ₹36,465.19 | ₹4,375.82 | ₹3,126.32 | ₹1,249.5 |
| 6 | ₹38,288.45 | ₹4,594.61 | ₹3,345.11 | ₹1,249.5 |
| 7 | ₹40,202.87 | ₹4,824.34 | ₹3,574.84 | ₹1,249.5 |
| 8 | ₹42,213.01 | ₹5,065.56 | ₹3,816.06 | ₹1,249.5 |
| 9 | ₹44,323.66 | ₹5,318.84 | ₹4,069.34 | ₹1,249.5 |
| 10 | ₹46,539.85 | ₹5,584.78 | ₹4,335.28 | ₹1,249.5 |
| 11 | ₹48,866.84 | ₹5,864.02 | ₹4,614.52 | ₹1,249.5 |
| 12 | ₹51,310.18 | ₹6,157.22 | ₹4,907.72 | ₹1,249.5 |
| 13 | ₹53,875.69 | ₹6,465.08 | ₹5,215.58 | ₹1,249.5 |
| 14 | ₹56,569.47 | ₹6,788.34 | ₹5,538.84 | ₹1,249.5 |
| 15 | ₹59,397.95 | ₹7,127.75 | ₹5,878.25 | ₹1,249.5 |
| 16 | ₹62,367.85 | ₹7,484.14 | ₹6,234.64 | ₹1,249.5 |
| 17 | ₹65,486.24 | ₹7,858.35 | ₹6,608.85 | ₹1,249.5 |
| 18 | ₹68,760.55 | ₹8,251.27 | ₹7,001.77 | ₹1,249.5 |
| 19 | ₹72,198.58 | ₹8,663.83 | ₹7,414.33 | ₹1,249.5 |
| 20 | ₹75,808.51 | ₹9,097.02 | ₹7,847.52 | ₹1,249.5 |
| 21 | ₹79,598.93 | ₹9,551.87 | ₹8,302.37 | ₹1,249.5 |
| 22 | ₹83,578.88 | ₹10,029.47 | ₹8,779.97 | ₹1,249.5 |
| 23 | ₹87,757.82 | ₹10,530.94 | ₹9,281.44 | ₹1,249.5 |
| 24 | ₹92,145.71 | ₹11,057.49 | ₹9,807.99 | ₹1,249.5 |
| 25 | ₹96,753 | ₹11,610.36 | ₹10,360.86 | ₹1,249.5 |
| 26 | ₹1,01,590.65₹1.02 lakh | ₹12,190.88 | ₹10,941.38 | ₹1,249.5 |
| 27 | ₹1,06,670.18₹1.07 lakh | ₹12,800.42 | ₹11,550.92 | ₹1,249.5 |
| 28 | ₹1,12,003.69₹1.12 lakh | ₹13,440.44 | ₹12,190.94 | ₹1,249.5 |
| 29 | ₹1,17,603.87₹1.18 lakh | ₹14,112.46 | ₹12,862.96 | ₹1,249.5 |
| 30 | ₹1,23,484.07₹1.23 lakh | ₹14,818.09 | ₹13,568.59 | ₹1,249.5 |
缴款分配
EPFO，缴款比例：https://www.epfindia.gov.in/site_docs/PDFs/MiscPDFs/ContributionRate.pdf
符合条件的EPS缴款与EPF余额分开计算。行政费用和保险费用不会计入员工账户余额。
年度利息
EPFO通告和利息通知：https://www.epfindia.gov.in/site_en/Circulars.php
可编辑的默认利率8.25%标注为财政年度2025–26。假设缴款在每月月底到账，累计利息每年增加一次。年度工资增长会在每个预测年度的起始节点应用。
使用方法
- 输入金额，并选择显示的计算选项。
- 调整费率和期限，使其符合你的假设。
- 查看估算结果、逐年图表和表格，然后下载CSV。
隐私与限制
计算和CSV导出均在你的浏览器中运行。你的财务输入不会上传。
相关工具
常见问题
雇主缴费会流向哪里？
该模型将不超过₹15,000的工资部分按8.33%分配至EPS，并将雇主12%缴费的剩余部分分配至EPF。员工的12%缴费全部计入EPF。
可以设置雇主缴费上限吗？
可以。选择₹15,000雇主工资上限即可。该模型仍按全额工资计算员工缴费。请确认你所在雇主的实际安排。
这个工具会估算EPS养老金吗？
不会。该模型假设用户是符合条件的EPS成员，并排除EPS养老金计算、更高养老金选项及与年龄相关的资格变化。
免费工具·使用在浏览器中次·无需账户