EPF / PF Calculator
Project your Provident Fund corpus your way – choose the PF wage basis, the Rs 15,000 ceiling treatment and the EPS split. We present every recognised method and recommend none; the choice rests with you and your advisor.
Choose your method
Gross – HRA reflects the “universality” test.
Cap = employer’s statutory minimum (Rs 1,800).
EPS share is always on the Rs 15,000 ceiling.
PF is computed on Basic + Dearness Allowance.
Optional. Leave 0 if starting fresh.
Statutory 12%. Raise it to add VPF.
Statutory 12% (includes EPS share).
8.25% for FY 2025-26 (FY 2026-27 not yet notified).
On what wage should PF be deducted? Under Sec 2(b)(ii) of the EPF & MP Act 1952, “basic wages” include Basic + DA but expressly exclude HRA, overtime, bonus and commission. The Supreme Court (28-Feb-2019, RPFC West Bengal v. Vivekananda Vidyamandir) held that any allowance universally, uniformly and ordinarily paid to all employees also forms part of PF wages – which is why many consultants compute PF on Gross minus HRA (and minus other genuinely variable/excluded items). Employers are statutorily required to contribute only up to the Rs 15,000 wage ceiling; contributing on higher actual wages is permitted but voluntary. All three approaches above are in use. CalcGuru does not recommend any particular method – select the basis that fits your situation, and confirm with your payroll advisor before relying on the figures.
EPF Corpus at Retirement
Rs 0
Your contributionRs 0
Employer (EPF share)Rs 0
Interest earnedRs 0
Year-wise growth
| Year (Age) | Opening | Your share | Employer EPF | Interest | Closing |
|---|