EPF calculator for India

How this is calculated

1. Contribution wages = your basic pay plus dearness allowance, or Rs 25,000, whichever is lower.
2. Your contribution = 12 percent of contribution wages, all to your EPF account.
3. Employer contribution = 12 percent of contribution wages, split into 8.33 percent to the Employees' Pension Scheme (EPS) and the rest, 3.67 percent, to your EPF account.
4. Added to your EPF account = your contribution + the employer's EPF part.

Example: wages of Rs 40,000 a month are capped at Rs 25,000. You pay Rs 3,000. Your employer pays Rs 3,000, of which Rs 2,083 goes to EPS and Rs 917 to EPF. Your EPF account gets Rs 3,917 a month. Under the old Rs 15,000 ceiling, the maximum EPS amount was Rs 1,250.

Not included: interest on your balance, the EDLI insurance contribution and employer administrative charges, and any higher voluntary contribution on wages above the ceiling. Some employers contribute on full basic regardless of the ceiling, so check your payslip.

Assumptions and sources

Last checked 30 October 2026.

• The wage ceiling for mandatory coverage rose from Rs 15,000 to Rs 25,000 a month with effect from 17 September 2026. Source: PIB, Ministry of Labour and Employment, 16 September 2026.
• Monthly contributions run on Rs 25,000 or the actual wages, whichever is lower. The maximum EPS contribution is 8.33 percent of Rs 25,000, which is Rs 2,083 (it was Rs 1,250). Source: PIB, EPFO Imphal, 23 September 2026.
• The change was notified in the Gazette of India as S.O. 5109(E) by the Ministry of Labour and Employment. Source: PIB, EPFO Berhampore, 22 September 2026.
• Employee 12 percent and employer 12 percent of wages go towards provident fund. Of the employer share, 8.33 percent is diverted to the Employees' Pension Scheme (EPS), so 3.67 percent goes to EPF. The employer also pays 0.5 percent of wages to the EDLI scheme, which this calculator does not model. Source: Ministry of Labour and Employment, Social Security Schemes for Organised and Unorganised Sector.
• Amounts are rounded to the nearest rupee. The EPS amount is rounded first and the employer EPF part is the rest of the 12 percent.

Frequently asked questions

What is the EPF wage ceiling in 2026?

Rs 25,000 a month from 17 September 2026. It was Rs 15,000 from September 2014.

How much goes to EPS each month at most?

Rs 2,083, which is 8.33 percent of Rs 25,000. It was Rs 1,250 under the old ceiling.

Does my employer have to contribute on more than Rs 25,000?

Not by the ceiling alone. Some employers contribute on full basic by policy. Your offer letter or payslip shows which applies to you.

Does this include interest?

No. It shows the monthly contribution only, not the interest the balance earns.

Does the calculator store my numbers?

No. It runs in your browser, stores nothing and sends nothing.