EPF Contribution & Balance

Calculate monthly EPF and EPS contribution for employee and employer. Shows exact PF breakup, pension contribution, EDLI, and take-home salary impact.

EPF Contribution Calculator

Monthly EPF, EPS, VPF and EDLI contribution breakup for employee and employer

Basic salary + DA Rs 30,000
Rs 5KRs 5L
Rs
VPF (voluntary extra) 0%

Additional EPF contribution beyond mandatory 12%

0%88%
%
Total PF contribution
---
employee + employer EPF
Take-home impact
---
basic after PF deduction
Employer total cost
---
EPF + EPS + EDLI + admin
Basic + DA---
Employee EPF (12%)---
VPF (voluntary)---
EPS — employer (8.33%, max Rs 1,250)---
EPF — employer (3.67%)---
EDLI (0.5%)---
Admin charges (0.5%)---
Total employer cost---
Employee vs employer contribution
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Mandatory EPF/EPS on basic salary. VPF is entirely to EPF at same interest rate.

Employee vs employer PF at different salary levels
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ThriftRupee Insight

Most employees only see the 12% employee PF deduction from their salary. But the employer also contributes 12% — split into 8.33% to EPS (Employees Pension Scheme, capped at Rs 1,250/month on Rs 15,000 wage ceiling) and 3.67% to EPF. The employer also pays 0.5% EDLI (insurance) and 0.5% administrative charges. Total employer cost is ~13% over basic salary — worth knowing when negotiating CTC.

EPF Contribution Calculator

Calculate monthly EPF and EPS contribution for employee and employer. Shows exact PF breakup, pension contribution, EDLI, and take-home salary impact.

Frequently asked questions

How is EPF contribution calculated?▼
Employee contributes 12% of basic salary + DA to EPF. Employer contributes 12% total: 8.33% goes to EPS (capped at Rs 1,250/month, i.e., 8.33% of Rs 15,000 wage ceiling) and the remaining 3.67% goes to EPF. For basic salary above Rs 15,000, EPS contribution stays capped at Rs 1,250. Employer also pays 0.5% EDLI insurance and 0.5% admin charges separately.
What is the difference between EPF and EPS?▼
EPF (Employee Provident Fund) earns interest (currently 8.25% p.a.) and is fully withdrawable at retirement or after 2 months of unemployment. EPS (Employee Pension Scheme) builds a pension corpus — you receive a monthly pension after 58 years of age with 10+ years of service. EPS cannot be withdrawn as a lump sum (except for service less than 10 years).
Can I increase my EPF contribution voluntarily?▼
Yes. Voluntary Provident Fund (VPF) allows employees to contribute more than the mandatory 12% — up to 100% of basic salary. The excess goes entirely to EPF (not EPS) and earns the same EPF interest rate (8.25%). VPF is one of the best risk-free investments available — same rate as EPF, tax-free returns, Sec 80C benefit, and employer is not required to match VPF contributions.

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