EPF Calculator

How PF is calculated on your salary

Every month you pay 12% of your basic pay + DA into EPF, and your employer pays another 12%. Of the employer's share, 8.33% of pay up to the wage ceiling goes to the Employees' Pension Scheme (EPS) and the rest to your EPF account:

To EPS = 8.33% × (basic + DA, at most ₹25,000)
Employer to EPF = 12% × basic + DA − to EPS

PF on a basic of ₹15,000, ₹25,000 and ₹50,000

On a basic + DA of ₹25,000 you pay ₹3,000 a month and so does your employer: ₹2,083 of it to EPS and ₹917 to EPF, so ₹3,917 a month goes into your EPF account.

How EPF interest is calculated

At the rate EPFO declares for the year (8.25% for 2025-26), worked out every month on the running balance at the yearly rate ÷ 12, but credited only at the end of the year, so it compounds once a year.

One year by hand: on ₹15,000, ₹2,350 a month reaches EPF. Interest runs on each month's opening balance (a month's money earns from the next month): ₹0, ₹2,350 … ₹25,850 add up to ₹1,55,100, so the year's interest is ₹1,55,100 × 8.25% ÷ 12 = ₹1,066.

EPF balance at retirement, from your balance today

Example: at 30, on a basic + DA of ₹25,000, with ₹2,00,000 in EPF today, 5% raises a year and 8.25% interest, the balance at 58 is ₹1,14,10,033: ₹21,02,520 from you, ₹14,02,632 from your employer and ₹77,04,881 interest on top of today's balance.

Your balance today is in the EPFO passbook (with your UAN): enter it under "EPF balance today".

EPS pension calculator: the formula

Pension a month = pensionable salary × pensionable service ÷ 70

The pensionable salary is your average basic + DA over the last 60 months, each month taken up to the wage ceiling. The pension is paid from 58 if you have at least 10 years of service, and is never less than ₹1,000 a month; 20 years or more add 2 bonus years, and service counts up to 35 years in all. With ₹25,000 and 35 years, it is ₹25,000 × 35 ÷ 70 = ₹12,500 a month, the most EPS pays. The calculator counts service before 17 September 2026 on the old ₹15,000 ceiling, as was done when the ceiling last went up in 2014: treat it as an estimate.

Good to know

• The wage ceiling went up from ₹15,000 to ₹25,000 on 17 September 2026, so up to ₹2,083 a month of the employer's share now goes to EPS (it was ₹1,250) and a little less to EPF.
• Joined EPF after 1 September 2014 on pay above ₹15,000? Until September 2026 you were not in EPS. From 17 September 2026, if your PF wage is ₹25,000 a month or less, you are: choose "Yes", with the years in EPS so far. Above ₹25,000 you are usually not, and all of the employer's 12% goes to EPF: choose "No".
• Many employers pay PF only on the wage ceiling. If your payslip shows ₹3,000 a month (12% of ₹25,000) while your basic is higher, enter ₹25,000 as your basic.
• The rate is declared every year (8.25% for 2025-26). Interest is tax-free, except on your own contributions (with any VPF) above ₹2.5 lakh a year (₹5 lakh where the employer pays nothing): that is taxed every year, at your slab.
• From 58 the EPS share stops: if you work to 60, the whole 12% from the employer goes to EPF.

Questions

పీఎఫ్ ఎలా లెక్కిస్తారు?

ప్రతి నెలా మీ బేసిక్ + డీఏలో 12% మీ పీఎఫ్ ఖాతాకు వెళ్తుంది; యజమాని కూడా 12% కడతారు. యజమాని వాటాలో 8.33% (నెలకు గరిష్ఠంగా ₹2,083) ఈపీఎస్ పెన్షన్‌కు, మిగిలినది ఈపీఎఫ్‌కు వెళ్తుంది. ఉదాహరణకు బేసిక్ + డీఏ ₹25,000 అయితే మీరు ₹3,000, యజమాని ₹917 ఈపీఎఫ్‌కు, ₹2,083 పెన్షన్‌కు కడతారు.

ఈపీఎఫ్ఓ ప్రకటించిన వడ్డీ (2025-26కు 8.25%) ఏడాది చివర్లో జమ అవుతుంది. 58 ఏళ్ల తర్వాత ఈపీఎస్ పెన్షన్ = పెన్షన్ జీతం × సర్వీసు ఏళ్లు ÷ 70; కనీసం 10 ఏళ్ల సర్వీసు ఉండాలి. మీ అసలు పీఎఫ్ బ్యాలెన్స్ ఈపీఎఫ్ఓ పాస్‌బుక్‌లో చూడవచ్చు.