PF calculator (EPF with the ₹25,000 ceiling)

See where your PF goes each month and how much your EPF account will hold.

EPF balance after 10 years

₹7,19,856

₹4,70,040 paid in, ₹2,49,816 interest earned.

Each month
PF wage	₹25,000
From you (12%)	₹3,000
From your employer into EPF	₹917
From your employer into pension (EPS)	₹2,083
Into your EPF account	₹3,917

Year by year

Year by year
Year	Paid in	Interest	Balance
Year 1	₹47,004	₹2,100	₹49,104
Year 5	₹47,004	₹20,423	₹2,89,516
Year 10	₹47,004	₹53,220	₹7,19,856

How it's worked out

You and your employer each pay 12% of your basic + DA. From 17 September 2026 PF is compulsory on wages up to ₹25,000 a month (it was ₹15,000); many employers cap the deduction there, others deduct on the full basic.

Of your employer's 12%, 8.33% of wages up to ₹25,000 (at most about ₹2,083 a month) goes to the Employees' Pension Scheme, which pays a pension later and isn't part of your EPF balance. The rest goes into EPF with your 12%.

Interest is worked out on the monthly balance and added once a year, as EPFO does. We use 8.25%, the rate for FY 2025-26; you can change it. Your raise each year increases the contribution unless it's capped.

Rules and sources

Uses the rules for FY 2026-27 (income-tax slabs, PF ceiling and interest, gratuity, HRA cities), last checked on 10 November 2026. We update them when a Budget or notification changes them.

These are estimates for salaried people below 60, not tax advice. Your payslip can differ: employers structure pay differently, and professional tax has lower slabs we don't show. Check big decisions with your employer's HR or a tax adviser.

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