Years to Retirement: 33 yrs
Total Contribution: ₹0
Interest Earned: ₹0
Retirement Corpus: ₹0
Provident Fund, also known as PF, is one of the most trusted long-term savings schemes for employees in India. Every month, a fixed percentage of your salary goes into your PF account, and your employer also contributes to this fund. Over time, this amount grows through regular contributions and yearly interest. Many people want to know how much money they will receive at retirement or how much their PF amount has increased over the years. This is where the PF Calculator becomes extremely helpful. It shows you the monthly PF contribution, employer share, yearly PF growth and the total balance at any point.
People often search for pf calculator, pf calculator on salary, monthly pf calculator, pf calculator online or pf calculator with existing balance because they want a clear understanding of how much PF they are saving. The calculator is simple to use and works for all kinds of salaries. Whether you are earning ten thousand rupees or one lakh rupees per month, the calculator shows exactly how PF grows, how much the employer contributes and what the final yearly total becomes.
PF is not only a retirement savings tool but also a financial safety net. It helps employees build long-term wealth without any risk because the interest rate is fixed by the government every year. Whether you are working in a private company, government office or any registered organization under EPFO, you can use this salary pf calculator to know your monthly and yearly PF contribution in a simple and accurate way.
PF follows a simple structure. Every month, twelve percent of your basic salary plus dearness allowance goes to your PF account. Your employer also contributes twelve percent, but a part of the employer contribution goes to the pension fund. This creates a stable savings system where you and your employer work together to build a financial cushion. People searching for pf calculator india or pf calculator from salary want to understand this structure clearly.
The PF calculator takes your basic salary and automatically calculates your total PF contribution each month. It shows how much you are contributing, how much your employer is contributing and what portion goes to the pension scheme. It also calculates the yearly PF amount and adds the official PF interest rate to show your total balance.
Below is a detailed table showing monthly PF contributions across different salary slabs. This example helps anyone searching for pf calculator on salary per month, monthly pf calculator or online pf calculator.
| Basic Salary (₹) | Employee PF 12% (₹) | Employer PF 3.67% (₹) | Employer Pension 8.33% (₹) | Total Monthly PF (₹) |
| 10,000 | 1,200 | 367 | 833 | 2,400 |
| 15,000 | 1,800 | 550 | 1,250 | 3,600 |
| 20,000 | 2,400 | 734 | 1,666 | 4,800 |
| 25,000 | 3,000 | 917 | 2,083 | 6,000 |
| 30,000 | 3,600 | 1,100 | 2,500 | 7,200 |
| 40,000 | 4,800 | 1,467 | 3,333 | 9,600 |
| 50,000 | 6,000 | 1,834 | 4,166 | 12,000 |
| 1,00,000 | 12,000 | 3,667 | 8,333 | 24,000 |
Many employees already have PF accumulated from past employment. They often search for pf calculator with existing balance or pf calculator with current balance to know how much their PF will grow in the future. The calculator allows you to enter your current PF balance and then adds future monthly contributions and yearly interest to show your projected PF amount.
If your current PF balance is ₹2,00,000 and your monthly PF contribution is ₹3,600, your yearly PF addition becomes ₹43,200. With the interest rate applied, the calculator shows your updated PF balance after one year, five years and ten years.
| Year | Existing PF (₹) | Yearly PF Contribution (₹) | Interest Earned (₹) | Total Balance (₹) |
| 1 | 2,00,000 | 43,200 | 18,240 | 2,61,440 |
| 5 | 2,00,000 | 2,16,000 | 1,05,492 | 5,21,492 |
| 10 | 2,00,000 | 4,32,000 | 2,86,722 | 9,18,722 |
The PF formula is easy once you understand the components. PF is twelve percent of your basic salary. Out of the employer’s twelve percent contribution, eight point thirty three percent goes to pension and the remaining three point sixty seven percent goes to your PF. This is why the pf calculator formula includes employee PF and employer PF separately.
Here is the PF formula in simple form:
Employee PF = Basic Salary × 12% Employer PF = Basic Salary × 3.67% Employer Pension = Basic Salary × 8.33%
Employee PF = 20,000 × 12% = ₹2,400 Employer PF = 20,000 × 3.67% = ₹734 Employer Pension = 20,000 × 8.33% = ₹1,666 Total PF = ₹4,800 per month
This table gives a clear understanding of how PF grows each year with compounding interest. The example uses a basic salary of ₹25,000.
| Year | Yearly PF (₹) | Interest (₹) | Total Balance (₹) |
| 1 | 72,000 | 6,624 | 78,624 |
| 5 | 3,60,000 | 57,723 | 4,17,723 |
| 10 | 7,20,000 | 1,92,194 | 9,12,194 |
Many employees search for esi pf calculator because their salary structure includes ESI contributions as well. ESI is applicable to employees with wages up to twenty one thousand rupees per month. PF and ESI are two separate schemes, but both are mandatory for eligible employees. The PF calculator focuses mainly on PF contribution, but you can calculate ESI by taking zero point seventy five percent employee contribution and three point twenty five percent employer contribution.
Twelve percent of your basic salary plus dearness allowance is deducted as your employee PF contribution. Your employer also contributes twelve percent, but a portion goes to pension. The calculator shows the exact breakdown.
Yes. PF is directly linked to your basic salary. The higher your basic pay, the higher your monthly PF contribution. The table above shows calculations for salaries from ten thousand to one lakh.
Yes. You can contribute more under the Voluntary Provident Fund (VPF). This extra contribution also earns the same interest rate. The calculator can be used to estimate voluntary PF as well.
Yes. PF earns annual interest announced by the government. The interest is added at the end of every financial year. The calculator includes this interest in your final balance.
Yes. If you know your past salary details, you can calculate PF year-wise. Many employees use the pf calculator with current balance to estimate growth from previous years.
