PF Calculator
Calculate your employee PF, employer EPF, EPS contribution and estimated annual Provident Fund savings.
Enter Salary Details
Enter your PF wage and choose whether the statutory wage ceiling should apply.
When enabled, the calculation uses ₹15,000 as the PF wage base.
₹0
Employee contribution per month
Monthly & Annual PF
Employee Contribution
Employer Contribution
Combined Contribution
How Employee Provident Fund Works
EPF is a retirement-oriented savings scheme in which eligible employees and employers make contributions according to applicable rules.
Employee Contribution
The standard employee contribution is generally 12% of EPF wages.
Employer Contribution
The employer generally contributes 12%, subject to the applicable rules and wage ceiling.
EPS
A portion of the employer contribution may be allocated toward the Employees' Pension Scheme.
Long-Term Savings
Contributions accumulate over time and interest is credited to the PF account according to the applicable rate.
Important Information
EPFO states that the standard employee contribution is 12% and the employer's contribution is generally 12%. The employer contribution is divided between EPF and EPS according to the applicable rules.
The statutory wage ceiling is generally ₹15,000 per month. Contributions on higher wages can apply in eligible cases under the applicable provisions.
This calculator is an estimate and should not be treated as an official EPFO contribution statement.
PF Calculator FAQ
What is EPF?
EPF stands for Employees' Provident Fund. It is a long-term savings and social-security benefit for eligible employees covered under the applicable EPF provisions.
How much does an employee contribute to PF?
The standard employee contribution is generally 12% of EPF wages, subject to the applicable rules.
Does the employer also contribute?
Yes. The standard employer contribution is generally 12%, with the applicable portion allocated between EPF and EPS.
What is the ₹15,000 PF wage ceiling?
EPFO's current contribution information states that contributions are payable on a maximum wage ceiling of ₹15,000 per month, while higher-wage contributions can apply in eligible situations.
Is EPS deducted from my salary separately?
No. EPS contribution is made from the employer's share and is not separately recovered from the employee's contribution.
Is this an official EPFO calculator?
No. This is an Innosphere estimation tool. Actual contributions should be verified against your employer's payroll records and official EPFO records.