PF Calculator

Estimate monthly Provident Fund contributions based on basic salary and dearness allowance, using standard EPFO rates for Indian employees.

PF wage details

Enter wages and contribution preferences for EPF calculation.

Monthly wages

PF is calculated on basic salary plus dearness allowance.

Total PF wages: ₹25,000

Contribution options

Contribution breakdown

Employee deduction (monthly)

₹3,000

Employer contributes ₹3,000 monthly

PF wages considered
₹25,000
Employee EPF (12%)
₹3,000
Employer EPF
₹1,751
Employer EPS (max ₹1,250)
₹1,250
Admin charges
₹125
EDLI
₹125
Total monthly PF
₹6,000

Annual employee share

₹36,000

Annual employer share

₹36,000

Annual total PF

₹72,000

Employer total cost

₹3,250

How EPF contributions work

Under EPFO rules, both employee and employer contribute 12% of wages (basic + DA) toward Provident Fund. The employee's entire 12% goes to the EPF account. The employer's 12% is split: 8.33% (capped at ₹1,250/month when wages exceed ₹15,000) goes to EPS, and the remainder goes to EPF.

When basic + DA exceeds ₹15,000 per month, employers may calculate PF on the actual wages or restrict contributions to the ₹15,000 wage ceiling—depending on company policy and employee consent.

This calculator uses the standard 12% rate on the amount you enter. Additional components like EDLI and admin charges are employer costs not deducted from employee salary.

Frequently asked questions

Common questions about this tool and how to use the results.

The standard contribution rate is 12% of basic wages plus DA from both employee and employer. Rates are set by EPFO and may change—verify current rates on the EPFO website.