Calculate Your EPF
Contribution Breakdown
| Employee Share (12%) | ₹ 1,800 |
| Employer EPF (3.67%) | ₹ 550 |
| Employer EPS (8.33%) | ₹ 1,250 |
| Total Monthly Contribution | ₹ 3,600 |
EPF Calculator – Instantly Calculate Your Employee & Employer Provident Fund Contribution
The EPF Calculator is a smart, accurate, and user-friendly tool designed to help salaried employees in India calculate their Employee Provident Fund (EPF) contribution, Employer EPF share, and Employer EPS contribution as per latest EPFO rules.
This calculator is ideal for employees, HR professionals, payroll managers, and financial planners who want a clear monthly EPF contribution breakup based on Basic Salary + Dearness Allowance (DA).
What Is EPF (Employees’ Provident Fund)?
The Employees’ Provident Fund (EPF) is a government-backed retirement savings scheme regulated by EPFO (Employees’ Provident Fund Organisation). Both the employee and employer contribute 12% of basic salary every month.
Standard EPF Contribution Structure:
Employee Contribution: 12% of Basic + DA
Employer Contribution: 12% of Basic + DA
EPF: 3.67%
EPS (Pension): 8.33% (capped at ₹15,000 wage ceiling)
How This EPF Calculator Works
Our EPF Calculator for India uses real-time inputs and official contribution rules to deliver accurate results instantly.
You simply need to enter:
- Basic Monthly Salary + DA
- The calculator automatically computes:
- Employee EPF contribution (12%)
- Employer EPF contribution (3.67%)
- Employer EPS contribution (8.33%, capped at ₹1,250)
- Total monthly EPF contribution
An interactive doughnut chart visually shows the EPF and EPS contribution split for better clarity.
Key Features of EPF Calculator
✔ Accurate EPF calculation as per EPFO norms
✔ Employer EPS cap applied automatically (₹15,000 limit)
✔ Real-time calculation with slider support
✔ Visual contribution breakdown using charts
✔ Mobile-friendly & responsive design
✔ Perfect for payroll planning & salary structuring
Who Should Use This EPF Calculator?
- Salaried employees checking PF deductions
- HR & payroll professionals
- Employers planning CTC structure
- Financial advisors & tax consultants
- Anyone planning long-term retirement savings
Example EPF Calculation
If your Basic Salary + DA is ₹15,000:
- Employee EPF: ₹1,800
- Employer EPF: ₹550
- Employer EPS: ₹1,250
- Total Monthly EPF Contribution: ₹3,600
The calculator automatically adjusts contributions if salary exceeds the EPS wage ceiling.
Benefits of Using EPF Calculator Online
- Eliminates manual calculation errors
- Helps plan take-home salary
- Understands employer vs employee contribution
- Improves retirement & pension planning
- Saves time and ensures compliance
Frequently Asked Questions (FAQ) – EPF Calculator
- Is EPF mandatory for all employees?
- Yes, EPF is mandatory for employees earning up to ₹15,000 basic salary. For higher salaries, it depends on employer policy.
- Is EPS contribution deducted from employee salary?
- No. EPS is fully contributed by the employer.
- What is the maximum EPS contribution?
- The maximum EPS contribution is ₹1,250 per month (8.33% of ₹15,000).
- Can EPF contribution be higher than 12%?
- Yes, employees can opt for Voluntary Provident Fund (VPF) contributions.
Conclusion: EPF Calculator
Use this EPF Calculator Widget to instantly calculate your provident fund contribution and plan your finances better. Accurate, fast, and compliant with the latest EPFO rules — perfect for smart salary planning.
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