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    Home › Free tools › PF & ESI
    Free tool

    PF & ESI Calculator

    Employee & employer contributions — computed to current EPFO & ESIC rules.

    Monthly wages

    PF is on Basic + DA; ESI is on gross. Enter the monthly figures.

    ₹
    ₹

    Contributions

    Total monthly contribution—
    • Employee — deducted from salary —
    • EPF + VPF —
    • ESI (0.75%) —
    • Employer — paid on top —
    • EPF (3.67%) —
    • EPS (8.33%, max ₹1,250) —
    • EDLI + admin (1%) —
    • ESI (3.25%) —
    • Your take-home impact / year —
    • Your CTC impact / year —

    FY 2026-27 rates. EPF: 12% employee + 12% employer (split 3.67% EPF / 8.33% EPS), with EPS capped at ₹15,000 wage (₹1,250). Employer also pays EDLI 0.50% + admin 0.50%, and the whole employer share is part of your CTC. ESI applies only when monthly gross is ₹21,000 or less — 0.75% employee, 3.25% employer. Estimate for guidance only.

    How it works

    PF and ESI, explained

    Provident Fund (EPF) is a retirement saving: you and your employer each contribute 12% of Basic + DA. Your employer’s 12% splits into 3.67% to your EPF account and 8.33% to the Employees’ Pension Scheme (EPS), where the pension share is capped on a wage of ₹15,000 (₹1,250 per month). Employees’ State Insurance (ESI) funds medical and cash benefits and applies to employees earning a gross of ₹21,000 or less per month — 0.75% from the employee and 3.25% from the employer.

    FAQ

    PF & ESI questions, answered

    Is PF calculated on the ₹15,000 ceiling or my full Basic?
    PF is mandatory on Basic + DA up to ₹15,000. Many employers contribute 12% only on ₹15,000; others contribute on the full Basic. The EPS (pension) share is always capped on ₹15,000, so anything above goes to EPF. Use the toggle to see both.
    What is EPS and why is it capped at ₹1,250?
    Of the employer’s 12% contribution, up to 8.33% of wages goes to the Employees’ Pension Scheme (EPS), and the rest goes to EPF. EPS is capped at 8.33% of ₹15,000, which works out to ₹1,250 a month. Anything above that from the employer’s share is diverted into EPF.
    What is VPF (Voluntary Provident Fund)?
    VPF is an optional extra contribution you can make above the mandatory 12% employee share. It earns the same EPF interest rate as your regular PF. The employer’s share does not change when you opt for VPF — only your own contribution goes up.
    When does ESI apply?
    ESI applies to employees whose monthly gross wage is ₹21,000 or less, in establishments covered by the ESI Act. If gross exceeds ₹21,000, ESI is not deducted (you generally continue until the end of the contribution period in which you crossed it).
    What are the EDLI and admin charges?
    On top of the 12% PF, employers pay 0.50% towards EDLI (a life-insurance linked benefit) and 0.50% as EPF administrative charges, both on the PF wage. Employees don’t pay these.
    Do small companies have to register for PF and ESI?
    EPF generally applies to establishments with 20 or more employees, and ESI to those with 10 or more (some states use 20). Thresholds and exemptions vary, so confirm for your state and industry.
    Does Kredily file PF and ESI for me?
    Yes. Kredily computes PF and ESI every cycle, free for unlimited employees on the Free Forever plan. PF ECR, challans and ESI returns in the required formats — with reminders before each deadline — are included from the Payroll OS plan (₹1,249/mo).

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    PF & ESI computed free for unlimited employees. ECR, challans and returns — with deadline alerts — from the Payroll OS plan.

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