EPF Maturity Calculator

Work out epf maturity instantly with clear inputs, formula shown and shareable results.

About EPF Maturity Calculator

The maturity value has two engines: today's balance compounding untouched, and future contributions compounding for progressively shorter periods. Separating them shows how much of the outcome is already locked in.

Formula

EPF maturity

FV = B(1+r)^n + C × [((1+r)^n - 1)/r] × (1+r)

B: Current balance
C: Monthly contribution

Worked example

With the default values below, EPF Maturity Calculator returns Balance At Retirement of $12,952,596.68. Change any input above and every figure here is recalculated in your browser.

Inputs used

Current EPF Balanceminimum 0: 800,000
Total Monthly Contributionminimum 0: 14,400
Annual Interest Rateaccepts 0–100 %: 8.25 %
Years To Retirementaccepts 1–40: 20

Results

Balance At Retirement: $12,952,596.68
Growth Of Today's Balance: $4,142,131.19
Future Contributions: $3,456,000.00
Interest Credited: $8,696,596.68

Step by step

1Values used
2EPF maturity
3Balance At Retirement= 12,952,596.68
4Growth Of Today's Balance= 4,142,131.19
5Future Contributions= 3,456,000.00
6Interest Credited= 8,696,596.68

Assumptions and limits

The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax or fees or charges into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

Should EPF be withdrawn on a job change?

Transferring keeps the compounding and the service record intact; withdrawing resets both and can be taxable.

Is the interest rate fixed?

No. It is declared each year, so long projections should use a conservative assumption.