EPF Calculator 2026 (₹25,000 Ceiling)
Calculate employee and employer PF, EPS pension, EDLI and admin charges under the new ₹25,000 wage ceiling or the earlier ₹15,000 limit — and project your PF corpus at retirement.
- New + old wage ceiling
- EPS / EPF split
- Employer cost
- Retirement corpus
Not an official government calculator. This free tool is only to make your HR and payroll work easier. Tax and labour rules change every year, so treat results as estimates and verify with the official notification or your CA before filing or paying. Rules last reviewed on 23 October 2026.
EPF / PF Contribution Calculator
Project your PF corpus (optional)
8.25% declared for FY 2025-26.
Monthly contribution split
- Employee EPF (12%)
- ₹3,000
- Employer EPS (8.33%, on ceiling)
- ₹2,083
- Employer EPF (12% − EPS)
- ₹917
- EDLI (0.5%, on ceiling)
- ₹125
- EPF admin charges (0.5%)Minimum ₹500/month per establishment
- ₹125
- Employer's total cost
- ₹3,250
PF corpus at age 58
- Your + employer EPF contributions
- ₹27,45,155
- Opening balance
- ₹0
- Interest earned
- ₹52,38,436
- Estimated corpus
- ₹79,83,591
PF contribution: ₹25,000 vs ₹15,000 ceiling
Monthly figures when contributions are restricted to the statutory ceiling.
| Basic + DA | Employee PF (new) | EPS (new) | Employee PF (old) | EPS (old) |
|---|---|---|---|---|
| ₹12,000 | ₹1,440 | ₹1,000 | ₹1,440 | ₹1,000 |
| ₹15,000 | ₹1,800 | ₹1,250 | ₹1,800 | ₹1,250 |
| ₹20,000 | ₹2,400 | ₹1,666 | ₹1,800 | ₹1,250 |
| ₹25,000 | ₹3,000 | ₹2,083 | ₹1,800 | ₹1,250 |
| ₹40,000 | ₹3,000 | ₹2,083 | ₹1,800 | ₹1,250 |
PF contribution rates
| Component | Rate | Paid by |
|---|---|---|
| Employee Provident Fund | 12% of PF wages | Employee |
| Employees' Pension Scheme (EPS) | 8.33% of wages up to ceiling | Employer |
| Employer EPF share | 12% − EPS | Employer |
| EDLI insurance | 0.5% of wages up to ceiling | Employer |
| EPF admin charges | 0.5% of PF wages (min ₹500) | Employer |
Under the Labour Codes, PF "wages" include allowances that exceed 50% of total pay. See how this affects take-home pay in the salary calculator.
Frequently Asked Questions
What is the new EPF wage ceiling in 2026?
The statutory EPF wage ceiling was raised from ₹15,000 to ₹25,000 per month with effect from 17 September 2026 (notification S.O. 5109(E)). It applies to EPF, EPS and EDLI. Contribution rates did not change.
How is PF calculated?
Employee contributes 12% of Basic + DA. The employer also contributes 12%: 8.33% (on wages up to the ceiling) goes to the pension scheme (EPS) and the balance goes to the EPF account. The employer additionally pays 0.5% EDLI and 0.5% admin charges.
What is the maximum EPS contribution now?
With the ₹25,000 ceiling, the maximum EPS contribution is 8.33% × ₹25,000 = ₹2,083 per month (earlier ₹1,250 on ₹15,000).
How was September 2026 handled?
Since the new ceiling applies from 17 September 2026, payroll teams either split September (₹15,000 ceiling for 1–16 Sep and ₹25,000 from 17 Sep) or follow EPFO's specific ECR guidance. Use the period selector to calculate each part.
Is PF mandatory for employees earning above ₹25,000?
For new joiners whose PF wages exceed the ceiling at joining, PF membership is not mandatory. Existing members continue. Employers and employees can also contribute on full wages voluntarily.
What interest does EPF earn?
EPF interest for FY 2025-26 is 8.25% a year, credited annually and calculated on the monthly running balance.
Is this the official EPFO calculator?
No. It is a free, unofficial tool by XoMB HR. Always follow EPFO circulars and the ECR portal for actual remittance.
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This is not an official calculator of the Government of India, the Income Tax Department, EPFO, ESIC or any state government. It is a free tool by XoMB Technologies to make everyday HR work easier. Rules, rates and limits change every year through budgets, notifications and court rulings, and your organisation's policy may differ. Results are estimates only and are not legal, tax or financial advice — confirm with the official source or a qualified CA / labour law consultant before acting. Rules last reviewed on 23 October 2026.