PF Calculator: your monthly EPF contribution
Work out your Provident Fund contribution from your monthly Basic + DA, with the employee 12% share and the employer split between EPF and the EPS pension. Free and instant.
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Calculate your PF contribution
- Enter your monthly Basic + DA
- Employee 12% and employer EPF/EPS split
- Optional ₹25,000 wage ceiling
Free · no login · nothing is sent anywhere.
How PF is calculated
Employee 12%
You contribute 12% of Basic + DA to your EPF.
Employer 12%
Your employer contributes a matching 12%.
EPS split
8.33% of the employer share (on wages up to ₹25,000) goes to the EPS pension.
EPF balance
The remaining 3.67% of the employer share goes to your EPF.
Employee 12% of Basic + DA · Employer 12% = 8.33% EPS + 3.67% EPF
EPS is on wages up to ₹25,000 (from 17 September 2026) · Code on Social Security, 2020.
Good to know
- The statutory wage ceiling for mandatory PF is ₹25,000 of Basic + DA from 17 September 2026 (it was ₹15,000 before), though many contribute on full Basic.
- EPF earns an annual interest rate declared by the EPFO each year.
- The employee 12% qualifies for deduction under Section 80C in the old regime.
- EPS (pension) is capped and does not earn EPF interest.
Related free tools
PF is one deduction on your payslip. Also try Take-home Salary Calculator, Gratuity Calculator, Payroll Processing.
Related guides: HR & Payroll Glossary, Professional Tax (India).
Frequently asked questions
How is PF calculated on salary?
You contribute 12% of your Basic + DA to EPF, and your employer contributes a matching 12%. Of the employer's share, 8.33% (on wages up to ₹25,000) goes to the EPS pension and the remaining 3.67% goes to your EPF account.
What is the PF wage ceiling?
The statutory ceiling for mandatory PF is ₹25,000 a month of Basic + DA, raised from ₹15,000 with effect from 17 September 2026. The same ceiling applies to the EPS pension share and EDLI insurance. Employees earning up to the ceiling must be members, and contributions can be calculated on the ceiling, though many employers and employees contribute on full Basic + DA. For September 2026 itself, PF is worked out on ₹15,000 for 1 to 16 September and on ₹25,000 from 17 September.
What is the difference between EPF and EPS?
EPF is your provident fund savings, which earns interest and is fully yours. EPS is the pension scheme, funded by part of the employer's contribution on wages up to ₹25,000, and pays a pension after retirement.
Is PF tax-free?
Employee EPF contributions qualify for deduction under Section 80C in the old regime, and EPF interest and maturity are tax-free within the limits set by law. Rules can change, so check the current position.
Please note: Outputs are AI-generated and can contain errors. Use them as a starting point and check anything important before you act on it.
See PF inside your full take-home pay
The Take-home Salary Calculator applies PF, professional tax and income tax to show your real in-hand pay for India.
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