%
This is your projection assumption, not a promised EPF interest rate or ETF dividend rate. Actual declared returns vary by year.
Projection assumptions
- Employee EPF contribution
- 8%
- Employer EPF contribution
- 12%
- Employer ETF contribution
- 3%
- Annual salary growth
- 5%
- Annual return used
- 9%
- Projection period
- 30 years
- Withdrawal tax included
- No
Estimated Retirement Fund
Rs. 72.46M
Final EPF Balance:Rs. 62,723,605
Final ETF Balance:Rs. 9,740,233
Employee EPF Contributions:Rs. 6,378,129
Employer EPF + ETF:Rs. 11,958,993
Compound Interest Earned:+ Rs. 53,526,715
Wealth Accumulation Timeline
Illustrative balance projection through age 60 using the assumptions above.
This is an illustrative retirement projection, not a statement from the Central Bank, Department of Labour, ETF Board, or IRD. It assumes contributions are made throughout each year and applies the entered return to the opening balance plus half of that year's contributions. Actual eligible earnings, declared returns, credited dates, withdrawals, fees, and tax treatment can produce a different balance.