EPF • EPS • EDLI Calculator
Calculate monthly EPF (employee share), employer contribution split to EPF/EPS, and EDLI insurance. Toggle the ₹15,000 ceiling and EPS eligibility.
India's Most Accurate EPF Calculator for 2025
Calculate your Employee Provident Fund (EPF) maturity amount with our free online PF calculator. Whether you're an employee planning retirement or an HR professional managing payroll, our EPF interest calculator provides instant, accurate results based on the latest 8.25% interest rate announced by EPFO for FY 2024-25.
PF Calculator Inputs
EPF Calculation Results
Annual EPF Projection
Complete Guide to EPF Calculator 2025
What is EPF Calculator?
An EPF calculator or PF calculator is an online tool that helps employees and employers in India calculate monthly contributions to the Employee Provident Fund (EPF). Our free provident fund calculator computes:
- Employee EPF contribution: 12% of PF wage (Basic + DA)
- Employer EPF contribution: 3.67% after EPS deduction
- EPS (Employee Pension Scheme): 8.33% up to ₹15,000 wage ceiling
- EDLI (Employee Deposit Linked Insurance): 0.5% up to ₹15,000
- Administrative charges: 0.5% with ₹500 minimum per establishment
EPF Interest Rate 2025
The EPFO (Employees' Provident Fund Organisation) has announced an interest rate of 8.25% for FY 2024-25, up from 8.15% in the previous year. This rate applies to all EPF contributions made between April 1, 2024, and March 31, 2025.
How to Calculate EPF Online - Step by Step
- Enter PF Wage: Input your basic salary + dearness allowance
- Check EPS Eligibility: Applicable for most employees under age 58
- Apply Ceiling (Optional): Limit contributions to ₹15,000 statutory ceiling
- View Results: Get instant breakdown of employee & employer contributions
EPF Calculation Example for ₹20000 Salary
Let's calculate EPF for a monthly PF wage of ₹20000:
* Calculations based on FY 2024-25 rates. Verify with latest EPFO circulars.
Understanding EPF, EPS and EDLI Components
EPF (Employee Provident Fund)
Main retirement savings component where both employee (12%) and employer (3.67%) contribute. Earns 8.25% annual interest.
EPS (Employee Pension Scheme)
Pension component from employer's contribution (8.33% up to ₹15,000). Provides monthly pension after age 58.
EDLI (Employee Deposit Linked Insurance)
Life insurance coverage (0.5% up to ₹15,000) paid by employer. Provides up to ₹7 lakh coverage to nominee.
Frequently Asked Questions - EPF Calculator
How to calculate EPF with 8.25% interest rate for 2025?
For FY 2024-25, EPF interest is 8.25% per annum, calculated monthly. Employee contributes 12% of basic+DA, employer contributes 12% split between EPF (3.67%) and EPS (8.33% up to ₹15,000). Use our PF calculator above for instant calculations.
What is the PF calculation formula in India?
PF calculation formula: Employee EPF = (Basic + DA) × 12%. Employer contribution = (Basic + DA) × 12%, split as EPF (3.67%) + EPS (8.33% capped at ₹15,000). Monthly interest = (Opening balance + Current month contribution) × (8.25% ÷ 12).
Is EPS mandatory for all employees?
No, EPS is not mandatory for: (1) New employees joining with salary > ₹15,000 without prior EPF membership, (2) Employees aged 58 years and above. In such cases, entire employer's 12% goes to EPF.
What is ₹15,000 wage ceiling in EPF?
The ₹15,000 ceiling applies to EPS and EDLI calculations. For EPS, maximum pensionable salary is ₹15,000, so EPS contribution is capped at ₹1,250 (8.33% of ₹15,000). Employers can optionally limit EPF contributions to this ceiling for eligible employees.
How to check EPF balance online?
Check EPF balance via: (1) EPFO portal using UAN login, (2) UMANG app, (3) SMS 'EPFOHO UAN' to 7738299899, (4) Missed call to 011-22901406. Our calculator helps estimate future balance based on current contributions.
Can I use this calculator for VPF (Voluntary Provident Fund)?
Yes, add your VPF contribution to the basic+DA amount. VPF allows voluntary contribution up to 100% of basic+DA, earning same 8.25% interest. Employer doesn't match VPF contributions.
What is EPF withdrawal rules 2025?
EPF withdrawal allowed for: home loan (after 3 years), medical emergency (anytime), education/marriage (after 7 years), unemployment (after 2 months). Full withdrawal on retirement at 58 years. Use Form 31 for final settlement, Form 19 for PF withdrawal.
How is EPF taxed in India?
EPF enjoys EEE tax status: Contributions qualify for ₹1.5 lakh deduction under Section 80C, interest is tax-free up to ₹2.5 lakh annual contribution, withdrawals after 5 years are tax-free. TDS applies for premature withdrawal.
What is ECR challan due date?
ECR (Electronic Challan cum Return) must be filed by 15th of following month. Late payment attracts 12% interest and penalties. Our calculator shows exact challan amount including all components.
Difference between EPF and PPF calculator?
EPF calculator computes employer-employee contributions for salaried employees (12% each), while PPF calculator is for voluntary Public Provident Fund investments (min ₹500, max ₹1.5 lakh annually). EPF rate is 8.25%, PPF is 7.1% for 2024-25.
ECR Challan Mapping Guide
What to fill in EPFO ECR portal
EPS wages capped at ₹15,000, zero if EPS not applicable. EDLI wages also capped at ₹15,000.
Step-by-step ECR filing:
- Login to EPFO portal with establishment credentials
- Go to Payments → ECR Upload
- Enter wages as shown above in our calculator
- Generate challan and pay by 15th of month
Disclaimer: This EPF calculator is for guidance only. Current rates: Employee EPF 12%, Employer 12% (split: EPF 3.67%, EPS 8.33% up to ₹15k). EDLI 0.5% up to ₹15k. EPF admin 0.5% (min ₹500/establishment). Interest rate 8.25% for FY 2024-25. Always verify with latest EPFO notifications at epfindia.gov.in. Last updated: January 2025.