This provident fund calculator splits your monthly Basic plus DA into every part of the EPF and EPS contribution: your own 12%, any VPF top-up, the employer's 8.33% pension share capped at the ₹15,000 wage, and the EPF balance that the pension share did not take. It handles the two cases most calculators get wrong, a wage above the ceiling and a member excluded from EPS. To see what PF leaves behind in your salary, use the in-hand salary calculator, and to see where PF sits inside an offer letter use the CTC to in-hand calculator. No sign-up, and nothing you type leaves your browser.
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This provident fund calculator answers one question in rupees: of your monthly Basic plus DA, how much actually goes into EPF and EPS each month, and who pays which part. You contribute 12%. Your employer contributes another 12%, and that second 12% is split in two, with 8.33% diverted to the Employees' Pension Scheme on a wage that can never exceed ₹15,000, and everything left over credited to your EPF account. Type your Basic plus DA and the tool shows the full split monthly and annually, along with the total that reaches your retirement savings.
Most PF calculators online print the employer EPF share as a flat 3.67% of your salary. That is only true at or below the ₹15,000 ceiling. Above it the pension share is frozen at ₹1,250 a month, so the employer EPF share is much larger and keeps growing with your wage: at ₹50,000 Basic plus DA it is ₹4,750, which is 9.50%, not ₹1,835. This calculator derives the EPF share from the ceiling instead of assuming the percentage, and it handles two cases the shortcut silently breaks on, an employer who restricts contributions to ₹15,000 and a member excluded from EPS altogether. For what your salary looks like after PF and every other deduction, use the take-home salary calculator or the in-hand salary calculator. To see how Basic itself is carved out of a package, start at the salary breakup calculator. Everything here sits inside the wider set of salary calculators for India.
One wage figure and three settings. The employee share, the pension diversion and the EPF balance appear without a page reload.
Jump back to the provident fund calculator and run your own Basic plus DA.
Monthly rupees, EPS member, contributions on actual Basic plus DA, no VPF. Every figure below was produced by the calculator on this page, not written by hand.
| Step | ₹15,000 Basic+DA | ₹30,000 Basic+DA | ₹75,000 Basic+DA |
|---|---|---|---|
| Monthly Basic + DA | 15,000 | 30,000 | 75,000 |
| Wage used for EPS, capped at ₹15,000 | 15,000 | 15,000 | 15,000 |
| Employee PF at 12% | 1,800 | 3,600 | 9,000 |
| Employer EPS at 8.33% of the capped wage | 1,250 | 1,250 | 1,250 |
| Employer EPF, the balance of the 12% | 550 | 2,350 | 7,750 |
| Total employer share at 12% | 1,800 | 3,600 | 9,000 |
| Employer EPF as a share of Basic + DA | 3.67% | 7.83% | 10.33% |
| Credited to your EPF account each month | 2,350 | 5,950 | 16,750 |
| Credited to the EPS pension fund each month | 1,250 | 1,250 | 1,250 |
| Total PF contribution per month | 3,600 | 7,200 | 18,000 |
| Total PF contribution per year | 43,200 | 86,400 | 2,16,000 |
Read the EPS row across and the whole design of the scheme becomes visible: ₹1,250 at ₹15,000, ₹1,250 at ₹30,000, ₹1,250 at ₹75,000. The pension contribution is frozen in rupees because the pensionable wage is capped, so the higher your Basic plus DA climbs, the smaller the slice of it that buys pension and the larger the slice that lands in EPF as ordinary savings. That is why the employer EPF share moves from 3.67% to 7.83% to 10.33% down the same column while the headline 12% never changes, and it is exactly the movement a flat 3.67% calculator cannot show you. At ₹75,000 Basic plus DA the difference is not academic: a fixed-percentage tool would report ₹2,753 of employer EPF instead of ₹7,750, understating your yearly retirement savings by about ₹60,000. For the salary that remains after this deduction, run the same figure through the in-hand salary calculator, and to see how Basic plus DA is carved out of a package in the first place use the salary breakup calculator.
Every salaried person covered by EPF sees a PF line on their payslip and almost nobody sees the other three. The deduction shown against your name is only 12%. Your employer adds a second 12% that never appears on the payslip at all, and that second contribution is quietly split between two different accounts with two different rules and two entirely different purposes. This provident fund calculator opens that up: it shows the wage the contributions are built on, the four component amounts with the rate each one runs at, and where every rupee finally lands.
It is built for the questions people actually arrive with. How much PF is deducted from a Basic plus DA of ₹30,000. Why the pension figure stays at ₹1,250 when the salary doubles. Why a colleague on the same salary has a different EPF credit. What changes if you start paying VPF. What the yearly total adds up to when you are trying to work out whether your retirement savings are on track.
What it deliberately does not do is guess. It computes contributions, which follow fixed statutory percentages and can be worked out exactly from one wage figure. It does not project interest, a balance or a retirement corpus, because those depend on your opening balance, your contribution history and a rate that EPFO declares only after each financial year ends. For the salary that survives this deduction and everything else, continue to the take-home salary calculator, the in-hand salary calculator or the post-tax salary calculator, and browse everything else in the salary calculators for India collection.
The formula is short, and every part of it runs on Basic plus Dearness Allowance rather than on gross salary. Employee PF is 12% of Basic plus DA. Employer contribution is another 12% of the same wage. The employer half then divides: 8.33% of the pensionable wage goes to the Employees' Pension Scheme, and the employer's EPF share is whatever remains of the 12% after that diversion.
That last card is where most online PF calculators go wrong, and it is worth being precise about why. The often-quoted 3.67% is not a statutory rate at all. It is a subtraction, 12% minus 8.33%, and that subtraction is only valid while the EPS contribution is genuinely 8.33% of your actual wage. The moment your Basic plus DA passes ₹15,000, the pension contribution stops tracking your salary and freezes at ₹1,250 a month, while the employer's total obligation stays at a true 12% of your real wage. The gap between those two widens with every rupee of salary, and all of it goes to EPF.
Put numbers on it. At ₹15,000 Basic plus DA the employer pays ₹1,800, of which ₹1,250 is EPS and ₹550 is EPF, and ₹550 is indeed 3.67% of ₹15,000. At ₹50,000 the employer pays ₹6,000, EPS is still ₹1,250, so EPF receives ₹4,750, which is 9.50% of the wage. A calculator applying a flat 3.67% would report ₹1,835 and understate the annual employer EPF credit by ₹34,980. On a page that people use to check their retirement savings, that is not a rounding difference.
The percentages themselves have not moved in years and are not tied to the tax year, so nothing on this page needs rereading each April the way the old versus new tax regime comparison does. What does change is the interest rate, which is declared separately and after the fact.
EPF, the Employees' Provident Fund, is a savings account in your name. Your 12%, any VPF you pay and the employer's EPF share all accumulate in it and earn interest annually. You can see the balance in your passbook, withdraw against it for specified purposes, and take the whole thing when you retire or after a qualifying period of unemployment. It is your money, tracked rupee by rupee.
EPS, the Employees' Pension Scheme, is not a savings account and does not work like one. You contribute nothing to it; only the employer does. It earns no interest that is credited to you, and there is no growing balance to inspect. What it buys is a monthly pension after retirement, and only if you complete ten years of eligible service. The pension is worked out from a formula rather than from a balance: pensionable salary multiplied by pensionable service, divided by 70. Because the pensionable salary used in that formula is itself capped at ₹15,000, the pension it produces is modest for almost everyone above the ceiling, which is the long-running criticism of the scheme and the reason the higher-pension litigation has run for years. Complete service of under ten years leaves you able to withdraw the EPS amount as a lump sum instead, using Form 10C. The scheme rules, member passbook and claim forms all live on the EPFO official website.
There is a third group that this distinction matters most to, and that most calculators ignore entirely. If you first became an EPF member on or after 1 September 2014 and your Basic plus DA was already above ₹15,000 at that point, you were never admitted to EPS at all. Nothing is diverted to the pension fund for you, and the entire employer 12% is credited to your EPF account instead. By now that covers a large share of everyone who started work in the last decade on a reasonable salary. Set the EPS member field to no and the calculator models it properly rather than printing a pension contribution you do not receive. Members who joined before that date keep their EPS membership even after their salary climbs past the ceiling, with contributions restricted to ₹1,250.
VPF is not a separate product, a separate account or a separate application. It is simply you choosing to contribute more than the statutory 12%, up to 100% of your Basic plus DA, into the EPF account you already have. The money earns exactly the same interest rate as the rest of your EPF balance, follows the same withdrawal rules, and appears in the same passbook. That is what makes it unusual among Indian savings options: a fixed-income return at the EPF rate, with no separate paperwork, arranged through payroll.
Two things about VPF are commonly misunderstood, and the calculator reflects both. The first is that your employer is under no obligation to match a single rupee of it. The statutory employer contribution stays at 12% of the contribution wage whatever you choose to add, so a VPF top-up increases your own savings and your own deduction, and nothing else. The second is that none of it goes to EPS. The pension contribution is fixed by the ceiling and is unaffected by anything you volunteer.
There is a threshold worth knowing before you set the percentage high. Interest on your own contributions, counting statutory EPF and VPF together, is tax-free only up to ₹2,50,000 in a financial year. Above that the interest on the excess is taxable in your hands and carries TDS, with EPFO maintaining a separate taxable account for the purpose. The limit rises to ₹5,00,000 where there is no employer contribution at all, which is the government-employee case rather than the usual EPF one. Worth noting that on a high Basic the mandatory 12% alone can reach the threshold without any VPF: at a Basic plus DA of about ₹1,73,600 a month, your statutory contribution is already ₹2,50,000 a year. The calculator flags this on screen as soon as your annual figure crosses the line. Whether the top-up is worth it against the tax you pay overall is a question for the income tax calculator.
Monthly rupees, EPS member, contributions on actual Basic plus DA and no VPF. Every row was generated by the calculator above rather than typed from a reference chart, so the table cannot drift away from the tool.
| Basic + DA | Employee PF | Employer EPS | Employer EPF | Total per month | Total per year |
|---|---|---|---|---|---|
| ₹15,000 | 1,800 | 1,250 | 550 | 3,600 | 43,200 |
| ₹20,000 | 2,400 | 1,250 | 1,150 | 4,800 | 57,600 |
| ₹30,000 | 3,600 | 1,250 | 2,350 | 7,200 | 86,400 |
| ₹50,000 | 6,000 | 1,250 | 4,750 | 12,000 | 1,44,000 |
| ₹1,00,000 | 12,000 | 1,250 | 10,750 | 24,000 | 2,88,000 |
The employer EPS column is the same number five times. That is the ceiling doing its work, and it is the single most useful thing to take away from this table.
Reading a new offer is the commonest reason. Two packages quoted at the same figure can carry very different Basic components, and Basic drives PF, gratuity and your eventual pension eligibility all at once. A lower Basic means a bigger monthly credit in your bank and a smaller amount going into retirement savings, and the employer's PF liability falls with it. Working out the PF on each offer tells you what you are actually being asked to trade. The CTC to in-hand calculator shows the other side of that trade.
Checking a payslip is the second. If your deduction is a flat ₹1,800 while your Basic plus DA is well above ₹15,000, your employer is contributing on the statutory ceiling rather than your real wage, and the ceiling setting on this calculator will reproduce your payslip exactly. If the deduction is 12% of your full Basic, the default setting matches. Either is lawful, and knowing which one applies to you changes your yearly retirement number substantially.
Then there is planning. PF is the largest forced-savings mechanism most Indian employees have, and the yearly total is usually higher than people expect once the employer half is counted. Knowing the figure is the starting point for deciding whether to add VPF, and for understanding what a raise does to your savings as well as your salary. If you are working out what a raise leaves you with overall, the salary increment calculator and the monthly salary calculator pair well with this one, and departing employees should also look at the gratuity calculator and the leave encashment calculator, both of which also run on Basic plus DA.
What this calculator does not model, stated plainly, so you can tell where its answer stops.
This tool returns contributions only. Projecting a balance would need your opening EPF balance, your full contribution history and an assumption about future interest rates and future salary growth, and a projection built on three assumptions is a forecast dressed up as a calculation. EPFO also declares the interest rate only after a financial year has closed, so any forward projection is quoting a rate nobody has announced. Your actual balance and the interest credited to it are visible in your EPF passbook.
Employer EPF is computed here as the employer's 12% minus the EPS amount actually diverted, which is the way the statute describes it. The familiar 3.67% is a special case of that subtraction, correct only at or below the ₹15,000 pensionable wage ceiling. Hard-coding it produces a figure that is too low for everyone above the ceiling, growing worse as the salary rises, and it silently fails altogether for members who are outside EPS. The arithmetic here was checked against a second implementation written independently, across several million wage and setting combinations, before this page shipped.
Your employer also pays charges towards the Employees' Deposit Linked Insurance scheme and towards EPF administration, over and above the 12%. They are a real cost to the employer and may appear in a detailed CTC breakdown, but they are not credited to your EPF account and you never receive them, so showing them among your contributions would overstate your savings. They are left out for that reason rather than by oversight.
Employees classified as International Workers, which includes foreign nationals working in India and Indian employees posted to countries without a social security agreement, are not subject to the ₹15,000 wage ceiling in the same way. Their contributions run on full wages. This calculator models the ordinary domestic case, so if you fall into that category the ceiling behaviour here will not match your payslip and you should confirm the treatment with your payroll team.
Each component is rounded to whole rupees once, at the point it is computed, never compounded through the calculation. EPS at the ceiling works out to ₹1,249.50 and is rounded to the familiar ₹1,250. Individual payroll systems round in slightly different ways and some apply their own conventions to the EPS figure, so a one rupee difference against your payslip is normal and is not a sign that either figure is wrong. A difference of hundreds or thousands usually means the contribution wage or the EPS membership setting does not match your actual situation.
The people who get the most from this page are the ones holding a payslip that shows one PF number and hides three. A fresher who wants to know why ₹3,600 vanished from a ₹30,000 Basic and where it went. A switcher whose two offers quote the same package but split Basic differently, which changes the PF, the gratuity and the pension on both sides. Someone who joined after 2014 on a good salary and has never understood why their pension passbook is empty, which the EPS exclusion rule explains. A payroll administrator sanity-checking what the system produced before it goes out to a hundred employees. Anyone weighing a VPF top-up who wants to see the deduction before committing to it. If your question is what reaches your bank rather than what goes into your fund, the take-home salary calculator is the honest next stop, and people paid by invoice rather than payroll have no EPF at all and should start at the freelance income calculator. Everything sits in the wider set of salary calculators for India.
Employee PF is 12% of monthly Basic plus DA. The employer adds another 12% of the same wage, and that half splits: 8.33% of the pensionable wage goes to EPS, capped at a ₹15,000 wage so never more than ₹1,250 a month, and the rest is credited to EPF. At ₹30,000 Basic plus DA that is ₹3,600 from you, ₹1,250 to EPS and ₹2,350 to employer EPF, ₹7,200 in total.
On Basic Salary plus Dearness Allowance only, never on gross salary and never on CTC. HRA, conveyance allowance, medical allowance, special allowance and LTA are all excluded from the PF base. This is precisely why many employers keep Basic low as a share of the package, because a smaller Basic reduces their provident fund and gratuity liability at once. Split a package into its parts with the salary breakup calculator.
Your own deduction is 12% of monthly Basic plus DA, so ₹1,800 at ₹15,000, ₹3,600 at ₹30,000 and ₹6,000 at ₹50,000. If your payslip shows a flat ₹1,800 regardless of a higher Basic, your employer contributes on the ₹15,000 statutory ceiling instead, which the ceiling setting reproduces. ESI, where it applies, is a separate deduction with its own wage limit and is not part of PF.
It is a statutory cap on the wage used to work out the pension contribution, not on your salary. Even at ₹1,00,000 Basic plus DA, EPS is computed on ₹15,000, so the employer diverts at most ₹1,250 a month to the pension fund and the entire remainder of its 12% goes to EPF. The ceiling was raised to ₹15,000 with effect from 1 September 2014 and has not moved since.
Only at or below the ₹15,000 ceiling. The 3.67% figure is not a statutory rate, it is 12% minus 8.33%, and that subtraction stops being valid once EPS freezes at ₹1,250. At ₹50,000 Basic plus DA the employer EPF share is ₹4,750, which is 9.50%, not the ₹1,835 a flat-percentage tool reports. This calculator derives the share from the ceiling instead of assuming a percentage.
Yes. The engine runs the contribution rules in force for FY 2026-27: employee 12%, employer 12%, EPS at 8.33% on a pensionable wage capped at ₹15,000, and the ₹15,000 ceiling itself. None of these are tied to a tax year and none changed in the last Budget. The EPF interest rate is declared separately after each year closes, and EPFO declared 8.25% for FY 2025-26.
Voluntary Provident Fund is you contributing more than the statutory 12%, up to 100% of Basic plus DA, into the same EPF account at the same interest rate. Your employer is not obliged to match a rupee of it and none of it reaches EPS. Interest on your own contributions, statutory and voluntary combined, is tax-free only up to ₹2,50,000 a year, above which the interest on the excess is taxable and carries TDS.
Full EPF withdrawal is allowed at retirement, or after a continuous period of unemployment set out in the scheme rules. Partial withdrawals are permitted for specified purposes including house purchase or construction, medical treatment, marriage and education, each with its own qualifying service period and limit. EPS is different: with ten years of eligible service you receive a monthly pension rather than a lump sum, and with less than ten years you can claim the amount using Form 10C.
No to all three, deliberately. It computes contributions, which follow fixed percentages and can be derived exactly from one wage figure. A balance projection would need your opening balance, your whole contribution history and an assumed future interest rate, which makes it a forecast rather than a calculation. Your real balance sits in your EPF passbook. There is no download and no export, and nothing you type is sent anywhere or stored.
No. This page is EPF, the Employees' Provident Fund, which is deducted from salary and matched by your employer. PPF, the Public Provident Fund, is a completely different product: a voluntary fifteen-year scheme anyone can open at a bank or post office, with its own annual limit, its own interest rate and no employer involvement at all. The two share three letters and almost nothing else, and this calculator does not model PPF.
Employer PF is part of CTC but never reaches your payslip, which is one reason CTC always looks larger than the salary you receive. Your own 12% is deducted from gross pay, so it reduces take-home directly. It qualifies for deduction under Section 80C within the overall limit, but only under the Old Regime, since the New Regime removes 80C entirely. See the split with the CTC to in-hand calculator.
One Basic plus DA figure in, the whole EPF and EPS breakdown out, monthly and annual, with the employer share the payslip never shows you. Free, private, and nothing you type is stored.
🏦 Calculate My PF ContributionWant the salary that survives this deduction? Continue to the in-hand salary calculator, check the tax layer on the income tax calculator, or browse all of the salary calculators for India.