Sleet
Free tool

PF Calculator

Employee & employer Provident Fund contribution

Free No signup Indian rules
What this calculator does

Estimate the monthly employee and employer PF contribution, including the EPS pension split.

Employees' Provident Fund

Restrict PF wages to ₹25,000 ceiling

Statutory default. Turn off if your employer contributes on full Basic + DA (no ceiling).

Good to know

  • Both employee and employer contribute 12% of PF wages each month.
  • Of the employer's 12%, 8.33% (capped at ₹25,000 wage) goes to the Employees' Pension Scheme (EPS); the rest goes to the PF account.
  • The employer also pays 0.5% of PF wages toward EDLI (Employees' Deposit Linked Insurance), capped at the same wage ceiling.
  • PF registration is mandatory once an establishment crosses 20 employees.

Results

Total monthly PF contribution

₹6,000

₹72,000 / year

PF wage considered₹25,000
Employee contribution (12%)₹3,000
Employer PF share₹917
Employer EPS (pension) share₹2,083
Employer EDLI charge (0.5%)₹125
Total employer cost₹3,125

Estimate only, based on standard EPF Scheme rates. Some establishments apply different rules (e.g. no wage ceiling, or additional VPF). Confirm your exact contribution structure with your payroll team.

How it works

How this calculator works

Both employee and employer contribute 12% of PF wages each month. Of the employer share, 8.33% (capped at the ₹25,000 wage ceiling since 17 September 2026) is routed to the Employee Pension Scheme (EPS), with the remainder credited to the PF account.

PF Calculator formula

Employee PF = 12% of Basic + DA. Employer 12% = 8.33% to EPS (on wages up to ₹25,000) + the balance to EPF. EDLI = 0.5% of wages up to ₹25,000. The ceiling was ₹15,000 until 16 September 2026.

Worked example

Rahul's Basic + DA is ₹25,000 a month.

  1. Employee PF = 12% × ₹25,000 = ₹3,000
  2. Employer EPS = 8.33% × ₹25,000 (ceiling) = ₹2,083
  3. Employer EPF = ₹3,000 − ₹2,083 = ₹917
  4. Employer EDLI = 0.5% × ₹25,000 = ₹125

₹3,917 a month goes to Rahul's EPF account (₹3,000 + ₹917) and ₹2,083 to his EPS pension account.

Questions

PF Calculator: FAQs

Employers can apply it, but employees and employers can also jointly opt to contribute on full Basic + DA above ₹25,000. Employees earning up to ₹25,000 are now compulsorily covered.

Add this calculator to your website

Free for CA firms, HR consultants and bloggers. Paste this code into any page — it stays up to date automatically.

Questions about the pf calculator?

Leave your email and a short question and someone from our team will reply.

We use your email only to reply. See our privacy policy.

More free tools

Other free calculators

Gratuity CalculatorEstimate gratuity payable & tax exemptionOpen Take-Home Salary CalculatorCTC to in-hand salary — old vs new regimeOpen New Labour Code Salary CalculatorCheck the 50% wage rule, PF and gratuity impactOpen TDS CalculatorEstimate income tax & monthly TDS on salaryOpen ROI CalculatorSee the payback on automating HR & payrollOpen Leave Encashment CalculatorEstimate payout & tax exemption on unused leaveOpen Labour Law Compliance CalculatorWhich labour laws apply at your headcountOpen ESI CalculatorEmployee State Insurance eligibility & contributionOpen Professional Tax CalculatorState-wise monthly PT slab estimateOpen HRA Exemption CalculatorTax-exempt HRA under Section 10(13A)Open Bonus CalculatorStatutory bonus under the Payment of Bonus ActOpen Overtime CalculatorOvertime pay at 1.5x or 2x the hourly rateOpen Notice Pay CalculatorNotice period shortfall recovery estimateOpen EPS Pension CalculatorEstimate monthly pension under EPS-95Open Minimum Wage CalculatorCheck compliance against state minimum wageOpen Income Tax Regime CalculatorCompare tax under the old vs new regimeOpen Payslip GeneratorCreate a clean, printable salary slip in a minuteOpen Rent Receipt GeneratorMake monthly rent receipts for your HRA claimOpen Compliance Due Date CalendarPF, ESI, TDS and GST due dates for the next 12 monthsOpen

Want this automated for every employee?

Sleet runs this calculation for your whole team, automatically.

Book a demo Talk to sales

Read the rules behind this calculator