Salary & TaxRetirement & Benefits
PF Calculator
Estimate monthly PF contributions and a simple future PF balance projection.
● Calculated privately in your browser
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Methodology & Logic
How the PF Calculator works
Estimate monthly PF contributions and a simple future PF balance projection. Below is the exact mathematical or algorithmic model used by this retirement & benefits utility, along with its key operating assumptions.
Core Formula / Logic
Monthly PF = monthly basic wage × employee rate + monthly basic wage × employer rate. Projection compounds the balance monthly.Step-by-step workflow
- Enter your headline compensation, basic pay share, or career dates in the PF Calculator inputs.
- The payroll engine evaluates statutory rules (Monthly PF = monthly basic wage × employee rate + monthly basic wage × employer rate. Projection compounds the balance monthly.) and compares applicable FY 2026–27 tax or tenure thresholds.
- Review the monthly and annual breakdown to verify what lands in your bank account versus long-term benefits.
Practical Walkthrough
Worked example & key advantages
Example Scenario
For ₹50,000 monthly basic and 12% employee plus 12% employer PF, the monthly contribution estimate is ₹12,000 before statutory splits or caps.
Why use this PF tool
- Built around Indian payroll conventions, including FY 2026–27 tax slabs, ₹75,000 standard deduction, EPF, and 15/26 gratuity math.
- Editable salary components so you can match your exact offer letter or payslip annexure.
- Private client-side calculation—compare job offers and appraisal increments without sharing salary data.
Important Assumptions & Scope
- This is a simplified PF projection.
- The employer EPS (pension) share of 8.33% on wages up to the ₹25,000 ceiling (raised from ₹15,000 on 17 Sep 2026) is excluded from the PF balance; VPF and withdrawals are not modeled.
- Employer payroll policy can change the actual contribution.
- Inputs stay in your browser.
Common Questions
Frequently Asked Questions — PF
Clear answers to common questions about methodology, edge cases, and privacy.
Does this include EPS split?
No. It keeps employee and employer PF simple for planning. Actual EPF/EPS split can differ.
Can I use this for VPF?
Yes, increase the employee rate to approximate VPF contributions.
Is the interest rate fixed?
No. EPF interest is notified periodically. Edit the rate to match your assumption.