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PF & ESI Contributions Calculator

Calculate Employee Provident Fund (PF) and Employee State Insurance (ESI) contributions with detailed breakdown of employee and employer contributions.

Provident Fund Calculator
ESI Contributions Calculator

Contribution Parameters

Salary Information
₹
₹15,000 per month
PF Contribution Settings
Include Employer PF Contribution
ESI Contribution Settings
₹
₹21,000 per month
Include ESI Calculation
Eligibility Criteria
PF: Mandatory for establishments with 20+ employees
ESI: Applicable if gross salary ≤ ₹21,000 per month
EPS: Employer contributes 8.33% of basic to Pension Scheme

Contribution Rates

PF Contributions:

  • Employee: 12% of (Basic + DA) up to wage ceiling
  • Employer: 12% of (Basic + DA) - 3.67% to PF, 8.33% to EPS

ESI Contributions:

  • Employee: 0.75% of gross salary
  • Employer: 3.25% of gross salary

Contribution Breakdown

Monthly Contributions Summary
₹3,600
Total PF Contribution (Employee + Employer)
₹840
Total ESI Contribution (Employee + Employer)
₹1,800
Employee PF
₹1,800
Employer PF
₹158
Employee ESI
₹683
Employer ESI

PF Contribution Details

Employee PF Contribution ₹1,800
Employer PF Contribution (to EPF) ₹551
Employer Pension Contribution (to EPS) ₹1,250
Total to EPF Account ₹2,351

ESI Contribution Details

Employee ESI Contribution (0.75%) ₹158
Employer ESI Contribution (3.25%) ₹683
Total ESI Contribution ₹840

Key Benefits

  • ✅ PF provides retirement savings with tax-free returns
  • ✅ EPS ensures pension benefits after retirement
  • ✅ ESI offers medical and cash benefits during employment
  • 💡 Both PF and ESI contributions are mandatory for eligible employees

Understanding PF & ESI

Provident Fund (PF) Details

Employee Provident Fund (EPF):

  • Employee contributes 12% of (Basic + DA)
  • Employer contributes 12% of (Basic + DA)
  • Wage ceiling: ₹15,000 per month (standard limit)
  • Tax-free returns and withdrawal benefits

Employee Pension Scheme (EPS):

  • 8.33% of employer contribution goes to EPS
  • Provides pension benefits after retirement
  • Minimum pension: ₹1,000 per month
  • Pensionable service: Minimum 10 years required
Employee State Insurance (ESI)

ESI Scheme Benefits:

  • Medical benefits for employee and family
  • Sickness benefits up to 91 days in a year
  • Maternity benefits for female employees
  • Disablement benefits for employment injury

Contribution Rates:

  • Employee contribution: 0.75% of gross salary
  • Employer contribution: 3.25% of gross salary
  • Applicable if gross salary ≤ ₹21,000 per month
Frequently Asked Questions

Q: What is the current PF wage ceiling?

A: The standard PF wage ceiling is ₹15,000 per month. Contributions are calculated on basic salary up to this limit.

Q: Is ESI applicable to all employees?

A: ESI is applicable to employees with gross salary up to ₹21,000 per month in covered establishments.

Q: Can I opt for higher PF contribution?

A: Yes, through Voluntary Provident Fund (VPF) you can contribute beyond 12% of basic salary.

Q: What is the difference between EPF and EPS?

A: EPF is your savings account, while EPS provides pension benefits after retirement.