PF Calculator

Employee PF is commonly deducted at 12% of the full actual basic pay, while the employer-side PF and EPS calculation applies to basic capped at a statutory wage ceiling — so your own contribution can be higher in rupee terms than the employer's PF+EPS split, especially for higher basic pay.

The employer's total contribution is split — part goes to your PF account (building your withdrawable corpus) and part goes to EPS (Employees' Pension Scheme, building future pension entitlement) — both come from the employer's side, not as separate deductions from your pay.

Yes, PF balances earn an annually-declared interest rate — check the current rate with EPFO since it's revised periodically rather than fixed.

This calculator handles contribution amounts only — for the actual monthly pension formula based on pensionable salary and service years, use the Pension Calculator (EPS) tool instead.