EPF Calculator
Enter your monthly basic salary plus dearness allowance to see how your EPF contribution splits between you, your employer, and the pension scheme.
Runs entirely in your browser — your numbers never leave this page.
How it works
EPF (Employees' Provident Fund) is India's mandatory retirement saving for salaried employees. Both you and your employer contribute 12% of your basic + DA every month:
Employee share = 12% × (Basic + DA)
Employer share = 12% × (Basic + DA), split into EPS + EPF
- EPS (pension):
8.33% × wages, capped at the ₹25,000 wage ceiling— this part funds your monthly pension after retirement (max ₹2,083/month). - Employer EPF: whatever is left of the employer's 12% after the EPS share — this goes into your PF balance with interest.
- Interest: declared yearly by EPFO (8.25% for FY 2024-25), credited to your balance annually.
The projection above assumes contributions spread evenly through the year, so interest is approximated on the average balance.
Frequently asked questions
What is EPF?
The Employees’ Provident Fund is a mandatory retirement savings scheme for salaried workers in India. You and your employer each contribute 12% of your basic salary + DA every month, and the balance earns tax-free interest.
How is the employer’s 12% divided?
8.33% of wages (up to the ₹25,000 ceiling) goes to the EPS pension scheme, and the remainder of the 12% goes to your EPF account. Your own 12% goes entirely to EPF.
What is the EPF wage ceiling?
₹25,000 per month (basic + DA), raised from ₹15,000 effective 17 September 2026. The EPS pension share is capped at 8.33% of ₹25,000 = ₹2,083/month.
What interest does EPF earn?
The rate is declared yearly by EPFO — 8.25% for FY 2024-25. The FY 2025-26 rate has not been announced yet. Interest is credited to your account once a year.
Can I withdraw EPF before retirement?
Partial withdrawals are allowed for specific needs — home purchase, medical emergencies, education, marriage — subject to service conditions. Full withdrawal is allowed on retirement or after 2 months of unemployment.
What is a UAN?
The Universal Account Number is a 12-digit number that stays with you across job changes. All your PF accounts from different employers link to the same UAN on the EPFO member portal.
What if my employer deducts PF but never deposits it?
That is a criminal offence. Check your passbook on the EPFO portal — if deposits are missing, raise a grievance on EPFiGMS or contact the regional PF commissioner.
Is EPF taxable?
Under the EEE (exempt-exempt-exempt) regime, contributions, interest, and withdrawals are tax-free if you complete 5 years of continuous service. Withdrawing before 5 years makes it taxable.
What is VPF?
The Voluntary Provident Fund lets you contribute more than 12% of basic + DA to the same EPF account, earning the same interest. The employer’s share stays at 12% — only your contribution increases.
How is this calculator’s 1-year projection computed?
Monthly total contribution × 12, plus interest at 8.25% on roughly half the year’s contributions (since money is deposited gradually, not all on day one). It is an approximation — actual interest compounds on your running balance.