🏦 PF Calculator
See exactly how much goes into your EPF account each month — your own contribution, your employer's matching share, and the portion that's redirected to the EPS pension scheme.
Your employer's 12% contribution doesn't go entirely into your EPF balance — 8.33% of basic is diverted to the EPS (Employees' Pension Scheme), with only the remaining 3.67% added to your EPF account alongside your own full 12% contribution.
Frequently Asked Questions
Why is the employer's EPF share shown as 3.67%, not 12%?
Of the employer's 12% contribution, 8.33% (subject to a wage ceiling) is routed to EPS for your future pension, and only the remaining 3.67% is added to your EPF balance.
Is PF contribution mandatory?
It's mandatory for employees earning up to the statutory wage ceiling at organizations with 20+ employees; above that ceiling, contribution can be a matter of employer policy or employee opt-in.
Can I withdraw my PF before retirement?
Partial withdrawals are allowed for specific reasons (home purchase, medical emergencies, marriage, unemployment after a waiting period) under EPFO rules, subject to conditions and limits.
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