EPF Contribution Calculator

When this applies

• You are checking the PF deductions on a payslip.
• You are an employer working out the monthly PF cost for a salary.
• You want to see how much of the employer's contribution goes to the pension scheme.
• You are estimating the monthly outflow to the PF account.

12% and 12% on a monthly basic of INR 30,000

1. 1Monthly basic: INR 30,000. Employee rate: 12%. Employer rate: 12%. EPS: 8.33%.
2. 2Employee = 30,000 x 12 / 100 = INR 3,600.
3. 3Employer = 30,000 x 12 / 100 = INR 3,600.
4. 4Of the employer's share, EPS = 30,000 x 8.33 / 100 = INR 2,499.
5. 5Total monthly PF = 3,600 + 3,600 = INR 7,200.

INR 3,600 each from you and your employer, INR 7,200 in total, with INR 2,499 of the employer's share going to the pension scheme.

What this calculator does

Work out the monthly provident fund contributions from you and your employer, and the part of the employer's share that goes to the pension scheme.

How this is calculated

Each month the employee contributes a percentage of basic pay - commonly 12% - and the employer contributes the same. From the employer's share, a portion, commonly 8.33% of basic pay, is diverted to the Employees' Pension Scheme, and the balance goes to the provident fund. The calculator applies your rates to the monthly basic pay and shows both contributions and the pension split.

The formula

Employee = basic × 12% · Employer = basic × 12% (with EPS split)

Common mistakes to avoid

• Computing PF on the gross salary

  The contribution is on basic pay, not on the full gross. Using gross overstates the contribution substantially.

• Forgetting the EPS diversion

  The whole employer contribution does not go to the provident fund; part goes to the pension scheme. Ignoring the split misstates both balances.

• Assuming there is no ceiling

  The scheme applies a wage ceiling. Where basic pay is above it, the statutory contribution does not rise with every rupee of basic.

Frequently asked

What are the EPF contribution rates?

Commonly 12% of basic pay from the employee and 12% from the employer, subject to the scheme's wage ceiling and rules.

What is EPS?

The Employees' Pension Scheme. Part of the employer's contribution - commonly 8.33% of basic pay - is diverted to it, and the balance goes to the provident fund.

Is the contribution on gross salary?

No. It is on basic pay, plus dearness allowance where applicable, not on the full gross salary.

What is the wage ceiling?

The scheme applies a wage ceiling above which the statutory contribution is computed. Contributions above the ceiling can be made voluntarily in some cases. Check the current ceiling on the EPFO portal.

Can I contribute more than 12%?

Voluntary Provident Fund contributions above the statutory rate are possible. This calculator models the standard contributions.