# Free PF Calculator

> Calculate Provident Fund contributions, EPS, EDLI and accumulated corpus. Free, no sign-up, by Staff Khata.

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%.

## Inputs

- Basic + DA Salary (₹/month)
- Tenure (Years)
- EPF Interest Rate (%)

## 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.

Use the calculator: https://staffkhata.com/free-tools/pf-calculator