PF Calculator

Compute monthly employee + employer PF contributions and interest

Salary Details

Enter your salary components

PF Wage: $55,000.00
Capped at $15,000 for PF calculation

PF Contribution Rates

Percentage of PF wage

Standard: 12% (minimum)

Standard: 12% (3.67% EPF + 8.33% EPS)

Investment Period

Current EPF rate: 8.25% (FY 2024-25)

Monthly Contributions

Employee Contribution
$1,800.00
Employer Contribution Breakdown
EPF (3.67%):$550.50
EPS (8.33%):$1,249.50
EDLI (0.5%):$75.00
Admin (0.65%):$97.50
Total:$1,972.50
Monthly EPF Accumulation
$2,350.50
Employee + Employer EPF only

Maturity Details

After 10 years

Total Contribution
$282,060.00
Interest Earned
$165,544.05
Maturity Amount
$447,604.05

Contribution Breakdown

Your Contribution63.0%
Interest Earned37.0%

Annual Summary

Annual Employee Contribution:$21,600.00
Annual Employer EPF:$6,606.00
Total Annual EPF:$28,206.00

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About PF Calculator

Employee Provident Fund (EPF) Calculator

This calculator helps you estimate your EPF accumulation and maturity amount. The EPF is a retirement savings scheme in India where both employee and employer contribute monthly to build a retirement corpus.

Features

  • Monthly contribution calculation (Employee + Employer)
  • Employer contribution breakdown (EPF, EPS, EDLI, Admin)
  • Compound interest calculation
  • Maturity amount projection
  • Visual contribution breakdown
  • Annual summary
  • PF wage capping at ₹15,000
  • Customizable rates and tenure

EPF Contribution Breakdown

Employee Contribution (12%):
Goes entirely to EPF account. Tax-deductible under Section 80C.
Employer Contribution (12%):
• 3.67% → EPF (Employee Provident Fund)
• 8.33% → EPS (Employee Pension Scheme)
• 0.5% → EDLI (Insurance)
• 0.65% → Admin charges

Key Points

  • PF wage = Basic Salary + Dearness Allowance
  • Maximum PF wage capped at $15,000/month
  • Minimum employee contribution: 12%
  • Current EPF interest rate: 8.25% p.a. (FY 2024-25)
  • Interest is compounded annually
  • Tax-free interest up to ₹2.5 lakh annual contribution
  • Withdrawals after 5 years are tax-free

Eligibility

  • Mandatory for organizations with 20+ employees
  • Voluntary for smaller organizations
  • Applicable to employees earning up to $15,000/month
  • Higher earners can opt-in voluntarily

Withdrawal Rules

  • Full withdrawal allowed after retirement (58 years)
  • Partial withdrawal for specific purposes (housing, medical, education)
  • 75% withdrawal allowed after 1 month of unemployment
  • Complete withdrawal after 2 months of unemployment
  • Tax-free if withdrawn after 5 years of continuous service

Important Note

This calculator provides estimates based on the inputs provided. Actual EPF accumulation may vary based on salary changes, interest rate revisions, and withdrawal history. The interest rate is subject to annual revision by EPFO. Consult with your employer or EPFO for exact calculations.