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Employee Benefits

PF Contribution Calculator

Calculate your monthly Provident Fund contributions, employer matching, and total PF balance. Understand your retirement savings and EPF tax benefits.

Enter Employee Details

Fill in the fields below to calculate your PF contributions

₹
Basic salary + Dearness Allowance (DA) if applicable
Standard rate is 12% (10% for certain establishments)
Standard rate is 12% (includes both EPF and EPS portions)
Employer's Pension Scheme contribution (8.33% of basic, capped at ₹15,000)
₹
Existing PF balance if you already have an account
Number of years to project future PF balance
Current EPF interest rate is 8.15% p.a. (compounded annually)

Your PF Contribution Summary

Enter your salary details to calculate monthly PF contributions and projected balance.

Monthly Contribution Employer Matching Projected PF Balance

PF Key Features

  • Employee Contribution12% of Basic + DA
  • Employer Contribution12% of Basic + DA
  • EPS Share8.33% (capped at ₹15,000)
  • Interest Rate8.15% (Current)
  • Tax StatusEEE (Exempt-Exempt-Exempt)
  • WithdrawalAllowed after 5 years (tax-free)

PF follows EEE (Exempt-Exempt-Exempt) tax status.

PF Tax Benefits

  • Section 80CEmployee contribution up to ₹1,50,000
  • Employer ContributionExempt from tax (up to 12%)
  • Interest EarnedFully Tax-Free
  • Maturity AmountFully Tax-Free
  • Early WithdrawalTaxable if before 5 years
  • Voluntary PFVPF also eligible for 80C

PF is one of the best tax-saving instruments under EEE category.