Employer and Employee PF Contribution Calculator

Break down employee and employer PF contributions in one place.

Planning assumptions

This EPF page is a planning estimator. You can edit the basic salary ratio, and EPF is calculated as 12% employee + 12% employer on basic salary. Actual payroll structure and statutory treatment may differ by employer policy.

Employee vs Employer PF Split

This split view helps evaluate compensation structure: employee EPF affects in-hand now, while employer EPF increases long-term retirement value.

Inputs

Monthly salary (INR)

Basic salary % of monthly salary

Extra monthly VPF

Years to retirement

EPF annual return %

Advanced options

Salary growth %

Current EPF balance (optional)

Take-home (optional, for planner prefill)

Investment budget (optional)

FIRE monthly expenses (optional)

Outputs

Employee EPF / month₹3,000

Employer EPF / month₹3,000

Total employee deduction / month (EPF + VPF)₹3,000

Retirement contribution / month₹6,000

Projected EPF corpus at retirement₹62,97,295

Employee EPF per year₹36,000

Employer EPF per year₹36,000

Combined PF per year₹72,000

In-hand impact now is represented by employee EPF + VPF monthly deduction.

Open Retirement Planner with Prefill

Assumptions and Formula Notes

Basic salary ratio used = 50.0% of monthly salary.
Employee EPF = 12% of basic salary.
Employer EPF = 12% of basic salary.
EPF annual return assumption = 8.15%.
Salary growth assumption = 8.00%.

This is an estimate tool for planning. Please verify decisions against official EPFO records and professional advice.

What if you diversify?

EPF-only projected corpus: ₹62,97,295. For estimated retirement spending of ₹25,000/month, target corpus is around ₹1,05,00,000 (gap: ₹42,02,705).

Balanced Mix (EPF + NPS)

Add ₹3,000/month to NPS

Additional corpus vs EPF-only +₹22,78,107

Projected total corpus ₹85,75,402

Try EPF + NPS in Planner

Growth Mix (EPF + Equity SIP)

Add ₹4,000/month to equity SIP

Additional corpus vs EPF-only +₹39,57,021

Projected total corpus ₹1,02,54,316

Try EPF + Equity in Planner

Hybrid Mix (EPF + NPS + Equity)

Add ₹2,000/month NPS and ₹2,400/month equity

Additional corpus vs EPF-only +₹38,92,951

Projected total corpus ₹1,01,90,246

Try Hybrid Mix in Planner

Want to benchmark your salary context too? Check Peer Compare

Related EPF Calculators

Frequently Asked Questions

What split does this page show?

It shows monthly and annual employee EPF, employer EPF, and total annual PF contribution.

Is employer PF part of take-home?

No. Employer EPF increases retirement savings but does not increase monthly net salary.

Can this help during offer comparison?

Yes. It helps compare true cash-in-hand versus retirement value in compensation plans.