PF Contribution

Calculate monthly EPF contribution for employee and employer. Break down employer contribution into EPF and EPS. Add VPF for extra tax-free savings.

PF Contribution Calculator

Calculate monthly EPF and VPF contributions with full breakdown

Basic salary + DA Rs 30,000
Rs
Employee PF contribution % 12%
%
VPF additional % 0%
%
EPF interest rate 8.25%
%
Total monthly PF
---
employee + employer
Monthly EPF credit
---
to your EPF account
Annual EPF interest
---
at current rate
Employee PF (12%)---
VPF additional---
Employer to EPF (3.67%)---
Employer to EPS (8.33%)---
Total monthly PF deduction---

EPS capped at Rs 1,250/month for basic <= Rs 15,000. Interest credited annually by EPFO.

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ThriftRupee Insight

The employer's 12% PF contribution is split: only 3.67% goes to your EPF account -- the remaining 8.33% (capped at Rs 1,250/month) goes to EPS (Employee Pension Scheme). So on a Rs 30,000 basic, your EPF gets Rs 1,100 from employer (3.67%) not Rs 3,600 (12%). VPF (Voluntary PF) lets you contribute extra at the same 8.25% tax-free rate -- useful for tax-efficient debt allocation in your portfolio.

PF Contribution Calculator India 2026

Calculate monthly EPF contributions for both employee (12%) and employer (3.67% EPF + 8.33% EPS). Add VPF for extra tax-free PF savings.

Frequently asked questions

How is EPF contribution calculated?▼
Employee contributes 12% of basic + DA. Employer also contributes 12% of basic + DA, but split as: 8.33% to EPS (capped at Rs 1,250/month if basic <= Rs 15,000; or actual 8.33% if opted for higher pension) and 3.67% to EPF. Total EPF credit per month = employee 12% + employer 3.67%. Interest on EPF: 8.25% p.a. (2023-24). EPF balance grows from both contributions plus interest.
What is VPF and how much can I contribute?▼
VPF (Voluntary Provident Fund) allows you to contribute more than the mandatory 12% to your PF account, up to 100% of basic salary. The additional contribution earns the same EPF interest rate (8.25%) and is tax-free under 80C up to Rs 1.5 lakh total (employee PF + VPF). Interest is tax-free only if annual PF contribution is below Rs 2.5 lakh (above this, interest is taxable).
Can my employer contribute less than 12% to EPF?▼
No -- 12% is the statutory minimum for employers whose employees earn basic <= Rs 15,000/month. For employees earning more, the employer can choose to limit PF on Rs 15,000 basic (Rs 1,800/month contribution) instead of actual basic. Many private sector employers cap PF contribution at Rs 1,800/month regardless of actual salary, which reduces your EPF corpus significantly over a career.

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