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Ezivo Calculator
Formula and sources reviewedCurrent EPF planning estimateReviewed 24 October 2026Published by Ezivo Calculator

🇮🇳 India EPF Calculator

Estimate monthly and annual employee and employer Employees' Provident Fund contributions.

Provident fund

Calculate EPF contribution

More options: balance projection+
Projected balance is a planning estimate using opening balance plus this year's contributions and a simple interest approximation.

Estimated monthly employee + employer EPF

₹0.00

Employee EPF₹0.00
Employer EPF₹0.00
Pensionable wage used₹0.00
Annual employee EPF₹0
Annual employer EPF₹0
Estimated interest₹0
Projected closing balance₹0

Methodology

How this calculator works

Employee EPF is estimated at 12% of basic salary plus DA, with optional voluntary contribution. Employer contribution is estimated at 12% and can be calculated on actual basic salary or the statutory wage ceiling.

Worked example

Reading the result

If monthly basic salary is ₹50,000, a 12% employee contribution is ₹6,000 per month. If the employer basis is capped at ₹15,000, employer contribution is estimated on that capped wage.

Accuracy checklist

Validate your India estimate

  1. 1Confirm the contribution base rather than assuming it equals total salary. Worker category, age, ordinary earnings, bonuses, minimum or maximum earnings and the Current EPF planning estimate period can change which percentage or cap applies.
  2. 2Keep employee and employer amounts separate. The employee share can reduce take-home cash, while the employer share normally affects employment cost or retirement funding and should not automatically be treated as a deduction from the employee's gross pay.
  3. 3Compare the India estimate with payroll records and Employees' Provident Fund Organisation. Voluntary contributions, exemptions, annual caps, pay-period rounding and year-to-date maximums may require a more detailed payroll or fund calculation.
  4. 4Save the inputs, selected options and calculation date with the result. If the estimate informs a payment, return, contract or application, rerun it when the Current EPF planning estimate rules or your underlying figures change and compare the updated breakdown with the earlier version.

Common questions

Frequently asked questions

Is employer PF always on full basic salary?+

Not always. Some cases use the statutory wage ceiling or employer policy limits. The calculator lets you choose a simplified basis.

Does this calculate pension split?+

No. It shows combined employer EPF-style contribution, not EPS and EDLI allocation.

Can I add voluntary PF?+

Yes. Enter an additional employee contribution percentage above 12%.

Sources and review

Author: Ezivo Calculator. Reviewed by: Ezivo Calculator technical QA. Primary reference: Employees' Provident Fund Organisation. Rules reviewed 24 October 2026.

Rule period: Current published rules within the page’s stated period and scope

Next scheduled review: 15 December 2026

The implemented rates, thresholds, displayed scope and representative boundary behaviour were reviewed against the primary source linked on the page.

View official source

Important scope

Simplified EPF estimate. EPS split, EDLI, administrative charges, higher pension options, wage definitions and employer policy details are excluded. This calculator provides general information and a planning estimate, not financial, tax, legal or professional advice.

Read the guide: India EPF contributions explained →Explore all India calculators →