PF contribution calculator
Enter one employee's PF wages. See how much PF (Provident Fund) the employee pays, how much you pay, and how much goes to their pension.
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How PF is calculated
The employee pays 12% of their PF wages. You take it from their salary. All of it goes to their PF account.
You also pay 12%. Part of it goes to the employee's pension, called EPS (the Employees' Pension Scheme): 8.33% of PF wages up to ₹25,000. That is at most ₹2,083 a month. The rest of your 12% goes to their PF account.
Some businesses the government has named pay 10% instead of 12%. Most businesses pay 12%.
The PF wage limit is ₹25,000 from 17 September 2026 (it was ₹15,000). If an employee in PF has PF wages above ₹25,000, you pay PF on at least ₹25,000. You can pay on the full PF wages if you and the employee both agree.
This calculator puts 8.33% of PF wages (up to ₹25,000) into the pension. Staff new to PF with PF wages above ₹25,000 don't get the pension part: choose "No" when the calculator asks. For staff aged 58 or more, this can be different too. Call us to check.
PF (also called EPF) is due by the 15th of the next month. For September 2026 salaries only, it is due by 31 October 2026.
Note: This calculator gives an estimate. The final figure can differ slightly because of rounding. Rules checked on 17 October 2026.
Common questions
EPS is the Employees' Pension Scheme. Part of your 12% goes to it: 8.33% of PF wages, up to ₹2,083 a month (₹1,250 when the limit was ₹15,000). It pays the employee a pension later. So less of your share goes into their PF account.
Yes, if you and the employee both agree. Otherwise you pay PF on ₹25,000. Staff who were in PF before may still get the pension part (EPS), at 8.33% of ₹25,000. It depends on when they joined PF and their PF wages then. Staff new to PF with PF wages above ₹25,000 don't get EPS, so all of your share goes to their PF account.
Only some businesses the government has named. Most businesses pay 12%. Call us if you are not sure.
It will be very close. The final figure can differ by a rupee or so, because of how each amount is rounded.
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We never miss a PF or ESI due date.