EPF / PF Contribution Calculator

Estimate employee PF, employer PF, and EPS split using capped, full-basic, or custom PF wage assumptions.

Tax year 2026 - Updated June 2026

Basic salary (monthly)Use monthly basic from your salary structure.Dearness allowance (monthly)Enter 0 if DA is not part of your salary.PF wage policyMany employers cap PF wage, while some calculate on full basic.Employee PF rate (%)Default employee EPF contribution is commonly 12%.Employer PF rate (%)Default employer contribution is commonly 12%.

Employee PF per month

₹1,800

Employer PF per month

₹1,800

Total annual contribution

₹43,200

Salary for PF (basic + DA)	₹45,000
PF wage used	₹15,000
Employee EPF contribution (monthly)	₹1,800
Employer total contribution (monthly)	₹1,800
Employer EPF share (monthly)	₹551
Employer EPS share (monthly)	₹1,250
Total monthly PF contribution	₹3,600
Total annual PF contribution	₹43,200

Formula used

Salary for PF = monthly basic salary + monthly dearness allowance.
PF wage is either capped at Rs 15,000/month, full salary for PF, or a custom PF wage entered by the user.
Employee EPF = PF wage x employee PF rate.
Employer contribution = PF wage x employer PF rate.
Employer EPS share is estimated as 8.33% of PF wage, capped to the Rs 15,000 wage ceiling; remaining employer contribution is shown as employer EPF.
This calculator estimates contribution structure only. Actual payroll may vary by employer policy and statutory applicability.

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Guide

Capped vs Full PF Guide

Understand PF wage policy and EPS split.

Assumptions

Designed for India salary and CTC planning.
Default employee and employer contribution rates are 12%.
Capped mode uses a PF wage ceiling of Rs 15,000/month.
Employer EPS is estimated at 8.33% of PF wage, capped to the wage ceiling.
Actual payroll may vary based on employer policy, statutory applicability, and wage definitions.

Disclaimer

The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.

Formula used

Salary for PF = monthly basic salary + monthly dearness allowance.

PF wage is either capped at Rs 15,000/month, full salary for PF, or a custom PF wage entered by the user.

Employee EPF = PF wage x employee PF rate.

Employer contribution = PF wage x employer PF rate.

Employer EPS share is estimated as 8.33% of PF wage, capped to the Rs 15,000 wage ceiling; remaining employer contribution is shown as employer EPF.

This calculator estimates contribution structure only. Actual payroll may vary by employer policy and statutory applicability.

Assumptions

Designed for India salary and CTC planning.

Default employee and employer contribution rates are 12%.

Capped mode uses a PF wage ceiling of Rs 15,000/month.

Employer EPS is estimated at 8.33% of PF wage, capped to the wage ceiling.

Actual payroll may vary based on employer policy, statutory applicability, and wage definitions.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.