Decision Tool
EPF Decision Tool
Should you contribute 12% of basic to EPF or only the statutory minimum (₹1,800/mo) and invest the surplus? See end-of-career corpus side-by-side.
Inputs
Your Inputs
Surplus is invested at the chosen return for the same period.
₹
yrs
%
%
%
₹
Recommendation
Contributing only the ₹1800/month minimum and investing the surplus at 12% beats full EPF by ₹1.68 Cr over 30 years. Consider the route below — keeping in mind EEE tax status of EPF vs taxable mutual funds.
Route A · Full 12% EPF
₹2.16 Cr
₹2,16,02,733
Route B · Min + Invest
₹3.84 Cr
EPF ₹26.59 L + Inv ₹3.58 Cr
Net Benefit (B − A)
₹1.68 Cr
Pre-tax view
Note: EPF returns are tax-free (EEE) while equity mutual fund LTCG is taxed at 12.5% above ₹1.25 L/year. This tool shows pre-tax comparison; factor in your specific tax slab and asset allocation for the final decision.