What is the PF wage ceiling in 2026?

₹25,000 a month from 17 September 2026. It was ₹15,000. Employers must contribute on wages up to the ceiling; contributing on higher pay is optional.

How much of the employer's 12% goes to my PF account?

8.33% of wages up to ₹25,000 goes to the pension scheme (EPS) - at most ₹2,083 a month. The rest goes to your EPF account.

What is the EPF interest rate?

8.25% for FY 2025-26. EPFO declares the rate every year, so later years may differ - you can change it in the calculator.

Is my pension included in this balance?

No. EPS builds a monthly pension that is paid separately. This calculator shows only your EPF account.

Free tool

PF Calculator

Your monthly PF split and your EPF balance over the years, with the ₹25,000 wage ceiling from 17 September 2026. Estimates only. Nothing you enter leaves your browser.

Monthly basic + DA (₹)

PF on

₹25,000 ceiling Full basic

I am an EPS (pension) member

Usually yes if your basic was ₹25,000 or less when you joined.

VPF (% of basic, optional)

Projection

Current PF balance (₹)

Years

Yearly basic increase (%)

Interest (%)

EPFO rate for FY 2025-26; change it for later years.

Every month

Your PF (12%): ₹3,000
Employer PF (12%): ₹3,000
Of which pension (EPS): ₹2,083
Of which to your EPF account: ₹917
VPF: ₹0
Total into your EPF account: ₹3,917

Employer also pays ₹250 in EDLI and admin charges, so its total PF cost is ₹3,250.

PF is worked out on the ₹25,000 ceiling. Contributing on full basic above the ceiling is optional.

Your EPF balance

After 10 years

₹7,19,857

Total you put in: ₹3,60,000
Total employer put in: ₹1,10,040
Total interest: ₹2,49,817

Year	Basic	Monthly into EPF	Opening	Contributions	Interest	Closing
1	₹30,000	₹3,917	₹0	₹47,004	₹2,100	₹49,104
2	₹31,500	₹3,917	₹49,104	₹47,004	₹6,152	₹1,02,260
3	₹33,075	₹3,917	₹1,02,260	₹47,004	₹10,537	₹1,59,801
4	₹34,729	₹3,917	₹1,59,801	₹47,004	₹15,284	₹2,22,089
5	₹36,465	₹3,917	₹2,22,089	₹47,004	₹20,423	₹2,89,516
6	₹38,288	₹3,917	₹2,89,516	₹47,004	₹25,986	₹3,62,506
7	₹40,203	₹3,917	₹3,62,506	₹47,004	₹32,007	₹4,41,517
8	₹42,213	₹3,917	₹4,41,517	₹47,004	₹38,526	₹5,27,047
9	₹44,324	₹3,917	₹5,27,047	₹47,004	₹45,582	₹6,19,633
10	₹46,540	₹3,917	₹6,19,633	₹47,004	₹53,220	₹7,19,857

A projection, not a promise: EPFO declares the interest rate every year and the wage ceiling can change. Pension (EPS) is paid separately and is not part of this balance.

On the ₹25,000 ceiling, your PF stays the same as basic grows. Choose Full basic to see it rise.

How it works

You and your employer each put 12% of basic + DA into provident fund, on wages up to ₹25,000 a month from 17 September 2026 (it was ₹15,000). Contributing on full basic above the ceiling is optional.
Of the employer's 12%, 8.33% of wages up to the ceiling goes to the pension scheme (EPS), capped at ₹2,083 a month. The rest goes to your EPF account.
Interest is 8.25% for FY 2025-26, worked out on the monthly running balance and credited once a year. EPFO declares the rate every year.
EDLI (insurance) and admin charges are extra costs the employer pays; they are not credited to your account. Your UAN stays the same across jobs, so the balance moves with you.

FAQ

Questions about PF

Sources

Ministry of Labour and Employment - EPF wage ceiling raised to ₹25,000 from 17 September 2026
EPFO - Member portal (UAN, passbook, claims)
EPF interest 8.25% for FY 2025-26 - EPFO notification dated 1 July 2026