A PF calculator shows how much of your basic wage goes into Provident Fund each month and how the employer's matching share is divided. 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.
PF calculator in brief
PF calculator totals from WappBlaster follow the contribution rules of the EPF Act 1952, which applies to establishments employing 20 or more people. The employee pays 12% of basic plus dearness allowance into the Provident Fund, and the employer matches with another 12% that is divided two ways: 8.33% to the Employees' Pension Scheme, worked out on a wage ceiling of ₹15000 a month, and the balance to the EPF account. On a ₹30000 basic, that means ₹1250 reaches the pension scheme each month while the remaining employer money stays in EPF. Staff who want to save more can add a Voluntary PF rate of up to 100% of basic plus DA, although the employer match never rises above 12%. The free statutory tool from WappBlaster reports monthly and yearly figures side by side and leaves out the 0.5% EPFO admin charge and the separate EDLI levy.
A PF calculator is a tool that splits monthly Provident Fund deposits into the employee share, the employer EPF share and the pension (EPS) share from basic pay.
WappBlaster’s free PF calculator follows the EPF Act 1952 split, letting you cap EPS at the ₹15000 ceiling and add a Voluntary PF percentage.
Job seekers can see how much of the PF line in a CTC is theirs and how much the employer adds.
Small firms comparing a capped contribution with one on actual basic flip a single setting.
Employees thinking about extra voluntary savings see the effect on the monthly deposit at once.
The EPS slice is listed separately, so it is obvious what goes to the pension scheme rather than the PF balance.
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.
An employee with basic + DA = Rs. 30000 per month: Employee PF = 12% × 30,000 = Rs. 3600. Employer EPS = 8.33% × 15,000 (ceiling) = Rs. 1250. Employer EPF = (12% × 30,000) − 1,250 = Rs. 2350. Total monthly PF deposit = Rs. 7200. Annual contribution = Rs. 86400 (excluding admin charges and any VPF).
Employers working through statutory pay may also want overtime figures under Indian and UAE law, an expense claim guide for Indian SMBs and payroll messaging tools built for SMEs.
| Feature | What it means | Where to find it |
|---|---|---|
| Monthly basic | Basic wage plus DA that the 12% contributions are taken on. | The basic and DA lines of your payslip. |
| Cap at ₹15000 ceiling | Whether contributions are worked out on the ceiling or on full basic. | Your employer’s PF policy, often stated in the offer letter or HR handbook. |
| Voluntary PF (% of basic) | Any extra employee contribution above the statutory share. | The VPF declaration you gave payroll, or zero if you never opted in. |
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.
Link to this answerCurrently Rs. 15000 per month, 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.
Link to this answerVPF lets the employee contribute more than the statutory 12%, up to 100% of basic + DA, into the same PF account, earning the same interest rate. The employer match remains 12%; the additional contribution is purely from the employee side.
Link to this answerInterest 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.
Link to this answerWithdrawal 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.
Link to this answerCurrently 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.
Link to this answerMost 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.
Link to this answerIt is free, with no signup. The monthly and annual Provident Fund split appears as soon as basic pay is entered.
Link to this answer₹3600 a month comes out of the employee's pay, which is 12% of basic. With this page's default settings the employer adds another ₹3600, of which ₹1250 goes to EPS on the ₹15000 ceiling and the remainder to EPF, for ₹7200 a month or ₹86400 a year.
Link to this answerYes. Both sides of the contribution are listed, so an employer can budget its 12% share and an employee can see what leaves the payslip. WappBlaster Payroll can then apply the capped or full-basic choice per employee or company-wide.
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