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Project your Employees' Provident Fund (EPF) corpus at retirement from your basic salary, at the current 8.25% rate, with annual increments — and see its real value after inflation.
EPF accumulates monthly contributions (employee 12% + employer 3.67% of basic) compounded at the EPF rate, with optional annual salary growth:
Each annual increment raises the basic salary and therefore the contribution for subsequent years.
With a ₹50,000 monthly basic and no annual increment, the combined ₹7,835/month EPF contribution (12% + 3.67%) compounding at 8.25% for 28 years grows to about ₹1.03 crore. A 5% annual increment pushes the corpus substantially higher, since each raise lifts every future contribution.
Calculate what your money will grow to and understand its real purchasing power today after adjusting for inflation.
Calculate how much you need to save monthly or in a lumpsum to reach your financial target, adjusted for inflation.
Plan for Financial Independence Retire Early (FIRE) and find your real inflation-adjusted retirement nest egg number.