Free Calculator ยท India ยท Updated May 2026

PF Calculator โ€” Employee + Employer Contribution

Compute monthly and annual Provident Fund contribution under the EPF Act 1952. Employee 12% + Employer 12% (split EPF 3.67% + EPS 8.33%). Free, instant.

The Employees' Provident Fund (EPF / PF) is a mandatory Indian retirement-savings contribution under the EPF Act 1952. Both employer and employee contribute 12% of basic wage + DA + retaining allowance, subject to a statutory wage ceiling. The employer's 12% splits between EPF (3.67%) and the Employees' Pension Scheme (8.33%). Voluntary Provident Fund (VPF) lets the employee contribute more.

Result

Monthly total PF contribution

โ‚น7,200

Annual contribution

โ‚น86,400

Employee EPF (12%)โ‚น3,600
Voluntary PF (VPF)โ‚น0
Employer EPS (8.33% on ceiling)โ‚น1,250
Employer EPF (12% โˆ’ EPS)โ‚น2,351

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Formula

  • Employee contribution = 12% of (Basic + DA + retaining allowance).
  • Employer EPF share = 3.67% of (Basic + DA + retaining allowance).
  • Employer EPS share = 8.33% of (Basic + DA + retaining allowance), capped at the statutory ceiling (Rs. 15,000).
  • Total employer contribution = 12% (EPF 3.67% + EPS 8.33%) + admin charges.
  • Voluntary PF (VPF): employee can contribute up to 100% of basic + DA; employer match stays at 12%.

Worked example

An employee with basic + DA = Rs. 30,000 per month: Employee PF = 12% ร— 30,000 = Rs. 3,600. Employer EPS = 8.33% ร— 15,000 (ceiling) = Rs. 1,250. Employer EPF = (12% ร— 30,000) โˆ’ 1,250 = Rs. 2,350. Total monthly PF deposit = Rs. 7,200. Annual contribution = Rs. 86,400 (excluding admin charges and any VPF).

FAQ

PF Calculator โ€” common questions

Establishments with 20 or more employees are mandated to register under the EPF Act 1952. Coverage extends to employees earning basic + DA up to and beyond the statutory ceiling; the employer share to EPS is capped at the ceiling.
Currently Rs. 15,000 per month โ€” the cap above which the employer's EPS contribution does not scale. The total 12% contribution itself can be on actual basic + DA at the employer's option, or capped at the ceiling.
VPF lets the employee contribute more than the statutory 12% โ€” up to 100% of basic + DA โ€” into the same PF account, earning the same interest rate. The employer match remains 12%; the additional contribution is purely from the employee side.
Interest is declared annually by EPFO (currently 8.25% for FY 2024-25, subject to annual revision). Interest accrues monthly on the running balance and is credited yearly.
Withdrawal after 5 years of continuous service is fully exempt. Earlier withdrawals are taxable; partial advances for housing, marriage, medical reasons follow specific exemption rules under Income-tax Act.
Currently 0.5% of basic + DA payable by the employer to EPFO as administrative charges, plus 0.5% to EDLI (Employees' Deposit Linked Insurance). Subject to periodic revision.
Most large employers contribute on actual basic + DA; SMBs often opt for the ceiling-capped contribution. This is configurable in WappBlaster Payroll per-employee or company-wide.

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WappBlaster Payroll computes gratuity, PF, ESI, PT, TDS, HRA, OT and leave encashment for every employee per cycle โ€” no spreadsheets, no formulas, no errors. Priced on the Attendance Suite tiers (from โ‚น2,100/year for 7 staff on attendance, plus per-user field options).

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