Calculate employee and employer provident fund contributions in seconds. Enter your basic salary and DA, set your contribution rates and tenure, and get your monthly PF deductions, annual accumulation, and projected maturity value instantly. Free, no sign-up required.
Add the employee's monthly basic salary and dearness allowance (DA). These form the PF calculation base. Select your preferred currency.
Enter the employee and employer contribution rates (default: 12% each), the annual interest rate, and the number of years of service to project the maturity value.
Instantly see monthly employee and employer PF contributions, annual accumulation, projected corpus with interest, and the EPF vs. EPS split. Download the PDF report.
Enter basic salary and years of service, then click Calculate PF / EPF
Provident Fund contributions are calculated as a percentage of an employee's monthly basic salary plus dearness allowance (DA). Employee PF (Monthly) = (Basic Salary + DA) x Employee Contribution Rate / 100 Employer PF (Monthly) = (Basic Salary + DA) x Employer Contribution Rate / 100 Total Monthly PF = Employee PF + Employer PF Annual PF = Total Monthly PF x 12 Maturity Value (Compound Interest, Monthly): M = P x [((1 + r/n)^(n x t) - 1) / (r/n)] x (1 + r/n) Where: P = Monthly PF, r = Annual interest rate, n = 12, t = Years Interest Earned = Maturity Value - Total Principal Contributions
Global employer-employee contribution rate benchmarks (ILO / global PF frameworks): - Common Global Standard (EPF-type): Employee 10-12% | Employer 10-12% | Interest 6-9% - Central Provident Fund (Singapore CPF): Employee 5-20% | Employer 7.5-17% | Interest 2.5-4% - Employees Provident Fund - Malaysia (EPF): Employee 11% | Employer 13% | Interest 5-6.5% - Provident Fund - Sri Lanka (EPF/ETF): Employee 8-10% | Employer 12% | Interest 8-9% - General Provident Fund (Standard Model): Employee 10-15% | Employer 10-15% | Interest 7-8.5% Illustrative Maturity Estimates (12%+12% rate, 8.25% p.a.): - $1,000/month basic | 10 years | Total PF ~$240/mth | Est. Maturity ~$44,000 - $2,000/month basic | 15 years | Total PF ~$480/mth | Est. Maturity ~$152,000 - $3,500/month basic | 20 years | Total PF ~$840/mth | Est. Maturity ~$402,000
A Provident Fund (PF), often referred to as the Employee Provident Fund (EPF), is a mandatory employer-employee retirement savings scheme. Both the employee and the employer contribute a fixed percentage of the employee's basic salary (and dearness allowance where applicable) every month. The accumulated contributions earn a declared annual interest, building a retirement corpus for the employee over their working life.