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EPF Calculator
Result
Chart
Show formula & working
Employee = 12% of basic + DA · EPS = 8.33% of wages up to ₹25,000 · Employer to EPF = 12% − EPS
Interest = Σ monthly running balance × rate ÷ 12, credited at year end
Details
EPF interest rate and contributions: rates and rules as of 17-Sep-2026 · Source: EPFO CBT recommendation of 8.25% for 2025-26 (2 Mar 2026), Finance Ministry concurrence reported 18 Jun 2026; wage ceiling raised to ₹25,000 by Gazette notification of 17 Sep 2026 (PIB / Ministry of Labour). Every figure based on it stays editable.
How this works
Both you and your employer contribute 12% of basic pay + DA. Part of the employer's share goes to the pension scheme (EPS) and earns no EPF interest; the rest goes to your EPF account.
From 17 September 2026 the statutory wage ceiling is ₹25,000, so the EPS share is up to ₹2,083 a month.
Frequently asked questions
Is EPF interest tax-free?
Interest on your own contributions above a yearly limit is taxable; the rest is exempt under current law.
Does the EPS share earn interest?
No — EPS builds a pension entitlement, not a balance with interest.