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EPFPF calculator — contribution and retirement fund
See the monthly PF contribution split and how much your EPF can grow to by retirement at 8.25% interest.
PF (EPF) calculator
Your PF contribution and fund
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years
years
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%
Monthly into PF (you + employer)–
PF at retirement (estimate)–
How it works
- Employee: 12% of basic + DA goes to EPF.
- Employer: 12% too — 8.33% (of wages up to ₹15,000, so max ₹1,250) goes to pension (EPS) and the rest, 3.67% or more, to EPF.
- EPF interest for 2025-26 is 8.25%. The estimate assumes the same rate every year.
- EPS pension money is not part of the EPF balance shown here.
Common questions
How much PF is deducted from salary?
The employee contributes 12% of basic + DA. The employer also contributes 12%, of which 8.33% (on wages up to ₹15,000) goes to the pension scheme (EPS).
What is the EPF interest rate for 2025-26?
8.25% a year, as ratified by the government.
Is PF compulsory on full basic salary?
PF is compulsory on wages up to ₹15,000 a month. Above that, employer and employee may agree to contribute on the full salary.
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