What will my PF be worth?
Project your balance at retirement from your salary, age and contribution rate.
Nothing here asks for your UAN
Figures checked against the official source on 26 July 2026. Contribution rates and the wage ceiling are set in the EPF and EPS schemes, not the annual Budget. This is an estimate for guidance, not a statement of what you owe.
What people get wrong about this
Almost everybody underestimates the last ten years. Contributions are roughly linear but interest compounds, so the balance added in the final decade is usually larger than everything accumulated before it. That is also why withdrawing during a job change is expensive in a way that does not feel expensive at the time: you are not losing the balance, you are losing the compounding it would have earned.
The second misunderstanding is the employer share. People expect a matching 12 percent into EPF and see less, because 8.33 percent of wages up to ₹15,000 goes to EPS instead.
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