Question 1

How is EPF interest calculated on monthly running balance?

Accepted Answer

Interest accrues monthly on the running balance and is credited at the end of the financial year (rounded to nearest rupee).

Question 2

Does EPF interest stop after leaving job?

Accepted Answer

Interest continues until final settlement is authorised; if authorised on/after 25th, that month is included.

Question 3

How much of my EPF balance is interest only?

Accepted Answer

This calculator shows total EPF interest separately from contributions so you can see the interest-only portion.

Question 4

How to make EPF money halal or interest-free?

Accepted Answer

The calculator highlights the interest-only portion. If you follow religious guidance, review the interest amount and consult a trusted advisor or scholar for next steps.

Question 5

Wage ceiling ₹15,000 vs higher wages option

Accepted Answer

By default PF wages are capped at ₹15,000 unless a higher-wage joint option is filed; Accurate mode lets you remove the ceiling.

EPF Calculator (India) 2026 — Interest (FY-wise), VPF, Withdrawals, Wage Ceiling