Work out your Provident Fund contribution from your monthly Basic + DA, with the employee 12% share and the employer split between EPF and the EPS pension. Free and instant.
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You contribute 12% of Basic + DA to your EPF.
Your employer contributes a matching 12%.
8.33% of the employer share (on wages up to ₹15,000) goes to the EPS pension.
The remaining 3.67% of the employer share goes to your EPF.
Employee 12% of Basic + DA · Employer 12% = 8.33% EPS + 3.67% EPF
EPS is on wages up to ₹15,000 · Code on Social Security, 2020.
PF is one deduction on your payslip. Also try Take-home Salary Calculator, Gratuity Calculator, Payroll Processing.
How is PF calculated on salary?
You contribute 12% of your Basic + DA to EPF, and your employer contributes a matching 12%. Of the employer's share, 8.33% (on wages up to ₹15,000) goes to the EPS pension and the remaining 3.67% goes to your EPF account.
What is the PF wage ceiling?
The statutory ceiling for mandatory PF is ₹15,000 of Basic + DA. Contributions can be calculated on this ceiling, though many employers and employees contribute on full Basic + DA.
What is the difference between EPF and EPS?
EPF is your provident fund savings, which earns interest and is fully yours. EPS is the pension scheme, funded by part of the employer's contribution on wages up to ₹15,000, and pays a pension after retirement.
Is PF tax-free?
Employee EPF contributions qualify for deduction under Section 80C in the old regime, and EPF interest and maturity are tax-free within the limits set by law. Rules can change, so check the current position.
Please note: Outputs are AI-generated and can contain errors. Use them as a starting point and check anything important before you act on it.
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