🇮🇳 EPF公积金计算器(印度)EPF Calculator (India)
估算印度雇员公积金（EPF）在退休时的累计余额：雇员 12%、雇主 3.67%（另 8.33% 进入 EPS 养老金），按年利率逐月计息。Estimate your Indian EPF corpus at retirement: 12% employee share, 3.67% employer share (8.33% goes to the EPS pension), with interest on the monthly running balance.
使用说明与常见问题How-to & FAQ
「EPF公积金计算器(印度)」是什么？What is the EPF Calculator (India) tool?
估算印度雇员公积金（EPF）在退休时的累计余额：雇员 12%、雇主 3.67%（另 8.33% 进入 EPS 养老金），按年利率逐月计息。Estimate your Indian EPF corpus at retirement: 12% employee share, 3.67% employer share (8.33% goes to the EPS pension), with interest on the monthly running balance.
如何使用「EPF公积金计算器(印度)」？How do I use the EPF Calculator (India) tool?
在「EPF公积金计算器(印度)」中，填写「月基本工资+DA (₹)」、「当前年龄」、「退休年龄」、「年加薪 %」、「EPF 年利率 %」等参数，结果会随输入实时计算并显示在下方。In the EPF Calculator (India): Fill in "Monthly basic + DA (₹)", "Current age", "Retirement age", "Annual salary increase %", "EPF interest rate %"; results are recalculated instantly as you type.
计算规则依据是什么？What rules does it follow?
雇员缴纳基本工资+DA 的 12%；雇主同样 12%，其中 8.33%（按工资上限 ₹15,000，即每月最多 ₹1,250）进入 EPS 养老金，其余进入 EPF。利息按 EPFO 方法：按每月期末余额 × 年利率/12 累计，年底一次计入。默认利率 8.25% 为 2024–25 财年公布值，以 EPFO 最新公告为准。Employee pays 12% of basic + DA; the employer also pays 12%, of which 8.33% (on a wage ceiling of ₹15,000, i.e. at most ₹1,250 a month) goes to EPS and the rest to EPF. Interest follows the EPFO method: monthly running balance × rate/12, credited at year end. The default 8.25% is the declared FY 2024–25 rate; check EPFO for the latest.
计算结果可以作为最终依据吗？Can I rely on the result?
「EPF公积金计算器(印度)」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The EPF Calculator (India) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「EPF公积金计算器(印度)」免费吗？需要注册吗？Is the EPF Calculator (India) free? Do I need an account?
「EPF公积金计算器(印度)」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The EPF Calculator (India) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.