Last updated: 10 November 2026. The Ministry of Labour and Employment raised the EPFO wage ceiling from ₹15,000 to ₹25,000 a month from 17 September 2026. Enter your monthly PF wages to see how your deduction and take-home could change. The calculation runs in your browser and nothing you type is saved.
How this calculator works
- PF wages are usually basic pay plus dearness allowance and similar components, not your full CTC. Check your payslip or ask HR for the exact PF wage.
- Contribution rate: 12% from you and 12% from your employer on PF wages. The rate did not change.
- If PF is calculated on the ceiling, the old limit was ₹15,000 and the new limit is ₹25,000, so the maximum contribution rises from ₹1,800 to ₹3,000 a month for each side.
- If PF is calculated on your full PF wages, your deduction does not change.
- The employer’s 12% includes the part that goes to the Employees’ Pension Scheme, so it is shown as one amount.
What this calculator does not cover
- Voluntary PF contributions above 12%.
- How your employer restructures your salary after the change.
- The split of the employer share between PF and pension, and the effect on your future pension.
- Tax treatment of the contribution.
Frequently Asked Questions
Will my take-home salary fall?
It can, if your PF was being calculated on the ₹15,000 limit and your PF wages are above that. At the new limit the extra deduction is up to ₹1,200 a month. If your employer already contributes on your full wages, there is no change.
Does the extra amount go to my PF account?
Your own contribution goes to your PF account, so the extra deduction becomes extra savings in your PF.
Sources
- Our guide: EPFO wage ceiling raised to ₹25,000, which cites the notification S.O. 5109(E) dated 17 September 2026
- EPFO: epfindia.gov.in
- Ministry of Labour and Employment: labour.gov.in
This tool gives estimates for general information. Your employer’s payroll rules apply, so confirm with your HR or payroll team.