WhatsAppPF (EPF) Contribution Calculator
Enter a salary and see the exact employer/employee PF split - including the EPS, EDLI, and admin-charge sub-accounts most payslips don't show.
How the EPF Split Works
The employee contributes 12% (or 10% for reduced-rate establishments) of basic+DA, entirely credited to their own EPF account. The employer also contributes 12%/10%, but it's split: 8.33% goes to EPS (capped at ₹15,000 basic - max ₹1,250/month), the remainder goes to the employee's EPF account, plus a separate 0.5% to EDLI (capped at ₹15,000) and 0.5% admin charges (minimum ₹75/month, calculated on actual basic+DA, uncapped).
The 10% reduced rate applies to establishments with under 20 employees, sick industrial companies, or specific industries (jute, beedi, brick, coir, guar gum).
Under the Employees' Provident Funds Scheme, 2026: for basic+DA above ₹15,000, contribution can be capped at the ₹15,000 ceiling (the mandatory minimum) or voluntarily continued on the full basic+DA if both employer and employee agree.
This is an illustrative estimate. Actual payroll figures may differ slightly due to rounding conventions EPFO applies per employee.
For payroll set up correctly the first time, talk to Medu Consultancy.
Related tools and reading
- Not sure if you're even covered? Check the EPF Eligibility Checker →
- Need ongoing help with registration and filings? See our EPF consultancy service.
- Already behind on payments? Use the EPF Penalty Calculator.
- Read more: Why EPF registration benefits small and medium businesses.
Frequently Asked Questions
Because the employer's 12% (or 10%) isn't the whole cost - on top of it, the employer also pays 0.5% EDLI and 0.5% admin charges (minimum ₹75/month). The 12%/10% itself is split between EPS (pension, capped at ₹1,250/month) and the employee's EPF account.
EPS (Employees' Pension Scheme) is a mandatory 8.33% carve-out from the employer's contribution, capped at ₹1,250/month. It goes toward the employee's future pension, not their withdrawable EPF balance, so the amount actually credited to the EPF account is lower than the full 12%/10%.
Yes, voluntarily. If both employer and employee agree, contributions can continue on the full basic+DA instead of being capped at ₹15,000. Either side can also unilaterally reduce or discontinue that voluntary portion later.
Establishments with under 20 employees, sick industrial companies, and a few specific industries (jute, beedi, brick, coir, and guar gum factories) can use the 10% rate instead of the standard 12%.
It's a close illustrative estimate. Actual payroll figures may differ slightly due to per-employee rounding conventions EPFO applies. Talk to Medu Consultancy if you want payroll set up correctly the first time.