EPF
A guaranteed 8.25% that compounds untaxed for decades. The most underrated line on your payslip.
A taxed 8.25% would keep
₹1.33 Cr
Same contributions, interest slab-taxed yearly
EPF keeps
₹1.99 Cr
Taxable-equivalent yield: 11.99% in your slab
Corpus at retirement
₹1.99 Cr
25 years of contributions
Contributed
₹60.0 L
Employee + employer, combined
EEE advantage
₹67.0 L
vs the same rate, taxed
Taxable equivalent
11.99%
Guaranteed — no market instrument matches this in 30% (incl. cess)
Inputs
Monthly contribution₹20,000
Employee + employer EPF share together. Add VPF here too.
Years to retirement25 yrs
Your income tax slab
Interest on employee contributions above ₹2.5L/yr is taxable — the tax-free math here applies within that limit.
The EEE gap, compounding
Year by year
| Year | Contributed | Interest (tax-free) | Balance |
|---|---|---|---|
| 1 | ₹2,40,000 | ₹11,000 | ₹2.5 L |
| 2 | ₹2,40,000 | ₹32,509 | ₹5.2 L |
| 3 | ₹2,40,000 | ₹55,861 | ₹8.2 L |
| 4 | ₹2,40,000 | ₹81,214 | ₹11.4 L |
| 5 | ₹2,40,000 | ₹1,08,739 | ₹14.9 L |
| 6 | ₹2,40,000 | ₹1,38,623 | ₹18.7 L |
| 7 | ₹2,40,000 | ₹1,71,068 | ₹22.8 L |
| 8 | ₹2,40,000 | ₹2,06,294 | ₹27.3 L |
| 9 | ₹2,40,000 | ₹2,44,537 | ₹32.1 L |
| 10 | ₹2,40,000 | ₹2,86,059 | ₹37.4 L |
| 11 | ₹2,40,000 | ₹3,31,138 | ₹43.1 L |
| 12 | ₹2,40,000 | ₹3,80,080 | ₹49.3 L |
| 13 | ₹2,40,000 | ₹4,33,216 | ₹56.0 L |
| 14 | ₹2,40,000 | ₹4,90,905 | ₹63.3 L |
| 15 | ₹2,40,000 | ₹5,53,538 | ₹71.2 L |
| 16 | ₹2,40,000 | ₹6,21,538 | ₹79.9 L |
| 17 | ₹2,40,000 | ₹6,95,365 | ₹89.2 L |
| 18 | ₹2,40,000 | ₹7,75,518 | ₹99.4 L |
| 19 | ₹2,40,000 | ₹8,62,540 | ₹1.10 Cr |
| 20 | ₹2,40,000 | ₹9,57,019 | ₹1.22 Cr |
| 21 | ₹2,40,000 | ₹10,59,594 | ₹1.35 Cr |
| 22 | ₹2,40,000 | ₹11,70,959 | ₹1.49 Cr |
| 23 | ₹2,40,000 | ₹12,91,867 | ₹1.65 Cr |
| 24 | ₹2,40,000 | ₹14,23,136 | ₹1.81 Cr |
| 25 | ₹2,40,000 | ₹15,65,654 | ₹1.99 Cr |