PF & Pension Calculator(EPF & EPS Contribution Engine)
Calculate employee PF contribution, employer EPF & EPS allocation, wage-ceiling impact, and optional provident-fund growth projection.
Basic wage component per month (before deductions).
Leave blank or enter 0 if fully consolidated in basic pay.
Enter your details to calculate
Fill in your Basic Salary on the left, then click “Calculate PF Contributions” to see your EPF & EPS breakdown.
PF Calculation Guide & Input Rationale
Why Each Input is Needed
Basic Salary
The primary wage component used to calculate PF. DA is added to this if applicable.
Dearness Allowance
Forms part of the PF-eligible wage under the EPF Act. Set to 0 if consolidated into basic.
Employee PF Rate
Controls the employee deduction — 12% (standard) or 10% (specific establishment categories only).
Wage Ceiling
Caps the PF-eligible wage at ₹15,000 for mandatory computation. Disabling calculates on the full eligible wage.
Existing Balance
Starting value for the corpus projection only. It does not affect your monthly contributions.
Interest Rate
The annual rate assumption for the illustrative projection. Updated by EPFO annually.
Projection Horizon
How many years ahead to project your accumulated PF corpus.
Validation & UX Rules
- ✓Basic Salary must be greater than 0.
- ✓DA defaults to 0 if left blank.
- ✓Existing balance must be 0 or greater.
- ✓Interest rate must be between 0% and 30%.
- ✓Projection years must be between 1 and 40.
- ✓Results update reactively as inputs change.
- ✓Validation errors focus the first failing field.
- ✓Employer rate is always 12% (statutory — not editable).
- ✓Employer EPS is capped at ₹1,250/month even in uncapped wage mode.
- ✓Employer EPF floor is ₹0 (never negative).
Frequently Asked Questions
Which salary components are used for PF calculation?
PF contribution is computed on Basic Salary + Dearness Allowance (DA). Other allowances such as HRA, special allowance, and bonuses are typically excluded from the PF wage base.
What is the statutory PF wage ceiling?
The statutory wage ceiling is ₹15,000 per month. When enabled, mandatory PF contributions are computed on the lower of (Basic + DA) or ₹15,000.
How is the employer contribution split between EPF and EPS?
The employer's 12% contribution is split as: 8.33% goes toward EPS (Employees' Pension Scheme), capped at ₹1,250/month; the remainder (3.67% or more) goes to EPF.
What happens if PF is calculated on the full eligible wage?
When the wage-ceiling option is turned off, employee and employer contributions are computed on the actual (Basic + DA) amount. EPS is still capped at ₹1,250/month per statutory rules.
Is the projected corpus a guaranteed EPFO balance?
No. The projected corpus is an illustrative compound-growth estimate for planning purposes only. Actual EPFO balance depends on official credited interest rates, which are announced annually by the government.