What your EPF (20% of gross) and ETF (3% of gross) could grow to by retirement — with salary growth and compounding interest, year by year.
yrs
yrs
Rs
%/yr
Rs
Rs
%/yr
%/yr
Retirement age must be greater than current age.
Total at retirement
—
—
EPF balance
—
8% you + 12% employer
ETF balance
—
3% employer
Interest earned
—
—
Balance growth to retirement
Money paid in (opening + contributions)Interest / compounding growth
Year-by-year schedule
Age
Salary /mo
Paid in (yr)
EPF balance
ETF balance
Total
Notes & assumptions
Statutory rates: EPF = your 8% + employer 12% (20% of gross total); ETF = employer 3%. Contributions are made monthly on your gross salary.
Interest compounds monthly here as an approximation; in reality the EPF and ETF declare a rate annually, and it moves with market conditions. Adjust the rate inputs to test scenarios.
Salary growth is applied once every 12 months. Promotions, job changes and inflation will make reality lumpier than the curve.
Figures are gross — withdrawal rules and any concessionary tax treatment on retirement benefits are not modelled. Treat this as a planning estimate, not advice.
Check this before you rely on it. This tool is indicative only. It is not tax, accounting or regulatory advice, it is not maintained against changes in law or standards, and it is not part of Aether's audited model engine. Verify any figure against the current rules, or with someone qualified, before acting on it or reporting it.