India payroll workspace · updated 16 Sep 2026
EPF Calculator India
See employee PF, employer EPF/EPS and CTC impact without guessing which wage ceiling your payroll uses. Compare the old ₹15,000 ceiling with the newly approved ₹25,000 ceiling, or enter your own assumption.
Contribution assumptions
Advanced rates
Contribution wage used
₹25,000
Retirement contributions are not take-home pay. EDLI, administrative charges, tax treatment and establishment-specific exceptions are not silently folded into the headline result.
Job-switch impact
Separate monthly cash from retirement value
Employee cash deduction / month
₹3,000
Change vs ₹15k ceiling
+₹1,200
Employee + employer / year
₹72,000
If employer PF sits inside quoted CTC, higher employer contribution can change the cash-versus-retirement mix without changing headline CTC. If it sits outside CTC, the economics differ. Verify the offer breakup before comparing roles.
Why Jobiba shows the assumption
A PF number without its wage base can be misleading. This workspace separates actual Basic + DA from the contribution ceiling and lets you compare ceiling-limited versus full-wage contribution. That makes an offer or CTC comparison easier to audit.
Continue your salary decision
Use the same payroll assumption in the next decision instead of re-entering disconnected numbers.
EPF calculator FAQs
What changed in EPF on 16 September 2026?
The Union Cabinet approved raising the wage ceiling for mandatory EPF coverage from ₹15,000 to ₹25,000 per month. The Ministry of Labour and Employment notified it as S.O. 5109(E), effective 17 September 2026.
Is PF calculated on gross salary?
EPF contributions are generally based on PF wages such as basic wages plus dearness allowance, not the entire gross salary. Your employer's payroll policy and applicable EPFO rules determine the actual contributory wage.
How is the employer contribution split?
The standard employer contribution is 12%. The EPS portion is generally 8.33% of the applicable pension wage and the balance goes to EPF. This calculator keeps the wage ceiling editable so you can model a payroll policy without hiding the assumption.
Planning estimate only. The ₹25,000 ceiling was approved by the Union Cabinet on 16 September 2026. Confirm the operative EPFO notification, effective date and your establishment's payroll treatment before compliance use.