Calculate Employee Provident Fund (EPF) contributions as per EPFO rules for FY 2025-26. Employee & employer split, EPS, VPF and maturity projection.
Calculate your Provident Fund contributions as per latest EPFO rules. Employee contributes 12% of (Basic + DA), employer matches 12% (8.33% to EPS, 3.67% to EPF). Wage ceiling ₹15,000 applies. Current interest rate: 8.25% p.a. (FY 2025-26).
Enter Basic + DA and click Calculate to see your PF breakdown
Employee: 12% of (Basic + DA). Capped at ₹1,800/month when Basic+DA exceeds ₹15,000. Employer: 12% total — 8.33% to EPS (wage ceiling ₹15,000), 3.67% to EPF. Interest: 8.25% p.a. (credited annually). VPF: Voluntary contribution up to 100% of basic; no employer match. PF is mandatory for orgs with 20+ employees when basic ≤ ₹15,000. Contributions qualify for Section 80C deduction.
Want to optimize your PF, VPF or plan for retirement? Our CAs can help you make informed decisions.
| Component | Rate | Ceiling | Goes To |
|---|---|---|---|
| Employee | 12% | ₹1,800 (when wage > ₹15,000) | EPF |
| Employer (EPS) | 8.33% | ₹15,000 wage | Employee Pension Scheme |
| Employer (EPF) | 3.67% | — | EPF |
| VPF | Voluntary | Up to 100% of basic | EPF (no employer match) |
| Interest | 8.25% p.a. | — | Credited annually |