About this tool
Explore employee and employer provident-fund contributions using the selected wage-ceiling and rate assumptions. The projection helps you inspect contributions and estimated growth separately before comparing them with your payroll records.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Monthly Basic Salary + DA (₹); Years to Retirement; EPF Annual Interest Rate (%).
- EPFO Wage Ceiling Option: choose from Revised ₹25,000 Ceiling (w.e.f. 17 Sep 2026); Legacy ₹15,000 Ceiling (Pre-Sep 2026); Full Basic + DA (Voluntary Above Ceiling).
- Review Employee PF (12%/mo); Employer EPF Share (/mo); Employer EPS Pension (/mo) in the result breakdown.
Benefits
- See the employee and employer contribution components.
- Compare growth assumptions without changing a payroll record.
Who should use this tool?
- Employees reviewing contribution figures.
- Payroll staff checking a calculation example.
How to use
- Complete the labelled fields for your scenario, including Monthly Basic Salary + DA (₹); Years to Retirement; EPF Annual Interest Rate (%). Use the units shown beside each field.
- Choose EPFO Wage Ceiling Option to match the situation you want to check.
- Select Calculate / Run Tool and review Projected EPF Maturity Corpus and Employee PF (12%/mo); Employer EPF Share (/mo).
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| ₹25,000 Salary on Revised ₹25k Ceiling (20 Yrs) | Monthly Basic Salary + DA (₹): 25000EPFO Wage Ceiling Option: Revised ₹25,000 Ceiling (w.e.f. 17 Sep 2026)Years to Retirement: 20EPF Annual Interest Rate (%): 8.25 | ₹23,96,569 |
| ₹50,000 Salary on Full Basic EPF (15 Yrs) | Monthly Basic Salary + DA (₹): 50000EPFO Wage Ceiling Option: Full Basic + DA (Voluntary Above Ceiling)Years to Retirement: 15EPF Annual Interest Rate (%): 8.25 | ₹35,32,822 |
Reference and processing
Employees Provident Fund Organisation (EPFO) — Wage Ceiling FAQs (Sept 2026) · Listed applicability: 17 September 2026 (Revised ₹25,000 Wage Ceiling)
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Is the projected balance a guaranteed maturity amount?
The projection follows the rates, timing and contribution assumptions used in the model. Future declared rates, wage changes and account activity can change the actual balance.
Which inputs do I need for EPF & EPS Contribution Calculator (₹25,000 / ₹15,000 Ceiling)?
Use Monthly Basic Salary + DA (₹); EPFO Wage Ceiling Option; Years to Retirement; EPF Annual Interest Rate (%). The built-in examples show how those fields fit together.
What should I check before using this result?
Interest rate defaults to 8.25% p.a. (subject to annual EPFO Central Board notification). Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.