Free PF Calculator
Calculate Provident Fund contributions, EPS, EDLI and accumulated corpus.
Quick answer
The employee contributes 12% of Basic + DA to EPF. The employer also contributes 12%: 8.33% goes to the pension scheme (EPS, capped at ₹1,250 a month on the ₹15,000 wage ceiling) and the rest, 3.67% or more, goes to EPF. Example on ₹15,000 Basic + DA: employee ₹1,800, employer ₹1,800 (₹1,250 EPS + ₹550 EPF). EPF interest for FY 2024-25 is 8.25%.
Last reviewed November 2026.
How to use the PF Calculator
Fill in these fields and the pf calculator works out the rest instantly, in your browser:
- Basic + DA Salary (₹/month)
- Tenure (Years)
- EPF Interest Rate (%)
Worked example
With Basic + DA Salary: 25000; Tenure: 10; EPF Interest Rate: 8.25:
| Employee PF (12% of Basic, capped ₹15K) | ₹1,800 |
| Employer EPF (3.67%) | ₹551 |
| Employer EPS (8.33%) | ₹1,250 |
| Total Monthly PF | ₹3,600 |
| Annual PF Contribution | ₹43,200 |
| Corpus after 10 years @ 8.25% | ₹6,85,545 |
EPF interest rate is 8.25% for FY 2023-24. Salary cap for PF calculation is ₹15,000.
Frequently asked questions
Is PF mandatory for small businesses?
PF registration is mandatory for establishments with 20 or more employees. Employees earning up to ₹15,000 Basic + DA a month must be enrolled; those above can opt out if they were never members before.
Is PF calculated on gross salary or basic?
On Basic + DA (plus retaining allowance), not on gross. Under the Labour Codes, if allowances are more than 50% of total pay, the excess is added back to wages for PF.
How much of the employer contribution goes to my PF account?
3.67% of Basic + DA when wages are up to ₹15,000. Above that, EPS stays at ₹1,250 a month and the rest of the employer's 12% goes to EPF.
Can Staff Khata do this calculation automatically every month?
Yes. Staff Khata takes attendance from Realtime biometric machines, a rotating QR code or selfie + GPS punches, then works out salary, PF, ESI, advances and payslip PDFs for each employee. Payroll is on the Growth plan at ₹0.50 per employee per day.
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