Work out your monthly EPF contribution and the provident-fund corpus you will have at retirement. Enter your basic salary and age to see it instantly, with the employer EPS split and 8.25% interest applied.
Provident fund (EPF) is a retirement saving both you and your employer pay into every month. It is calculated on your basic salary plus dearness allowance, not your full salary.
The EPS (pension) portion is not part of the EPF lump sum; it funds a monthly pension after retirement, so this calculator keeps it separate from the corpus figure.
Both you and your employer contribute 12% of your basic salary plus dearness allowance. Your full 12% goes to EPF; of the employer's 12%, up to ₹1,250 goes to the pension scheme (EPS) and the remainder to EPF. The EPF balance earns interest, currently 8.25% a year.
The EPF interest rate for FY 2024-25 is 8.25% per year, credited to your EPF balance annually.
The employer's pension (EPS) contribution is 8.33% of wages, capped at 8.33% of ₹15,000, which is ₹1,250 a month. Anything above that from the employer's 12% goes into EPF instead.
The employer's PF contribution is usually shown inside your CTC. It is not paid to you in cash; it is deposited into your provident fund and pension accounts.
Yes. Contract and manpower-supplied workers are covered by EPF on the same terms. For contractors managing hundreds of workers, ZeniaHR computes PF, ESI and the ECR automatically every month.
ZeniaHR auto-computes employee and employer PF, the EPS split, ESI and professional tax for thousands of workers each month, and produces the ECR and challan-ready files. Built only for manpower and staffing companies.
This calculator is a guide based on standard EPF and EPS rules and the current 8.25% interest rate, and does not constitute legal or financial advice. Your actual PF may vary with wage definitions, voluntary contributions (VPF) and applicable notifications.