Skip to content
SignHR
Free HR Tool

PF & ESI Calculator

Calculate Provident Fund (EPF, EPS, EDLI) and Employee State Insurance (ESI) contributions for your team — based on current 2026 statutory rates. Free for Indian employers and HR professionals.

Payroll software for IndiaBook a demo
₹15,000

PF is calculated on Basic + DA, capped at ₹15,000/month.

₹18,000

ESI is calculated on gross wages. Coverage limit: ₹21,000/month.

Quick examples

Results

Provident Fund (PF)

On wage of ₹15,000/month

Employee PF (12%)₹1,800
Employer EPS (8.33%)capped₹1,250
Employer EPF (3.67%)₹551
EDLI (0.5%)₹75
Admin charges (0.5%)₹75
Employee total₹1,800
Employer total₹1,951
Grand total₹3,751

Annual PF: ₹45,012 (employee + employer)
Interest (8.25% p.a.): ₹3,713 estimated

Employee State Insurance (ESI)

On gross wages of ₹18,000/month

Employee ESI (0.75%)₹135
Employer ESI (3.25%)₹585
Total ESI contribution₹720

Annual ESI: ₹8,640 (employee + employer)

* Calculations are estimates for reference only. Actual statutory contributions may vary based on your specific establishment, location, and applicable government notifications. Always verify with a certified professional or the EPFO/ESIC portals.

How it works

Calculate payroll compliance in seconds

1

Choose a mode

PF only, ESI only, or both — pick what you need.

2

Set the wages

Slide the range or pick a preset. Basic + DA for PF, gross wages for ESI.

3

Review the breakdown

See every component — employee EPF, employer EPS, EDLI, admin charges, and ESI.

4

Copy or download

Copy a text summary or screenshot the results for your records.

2026 Rates

PF & ESI contribution rates

Current statutory rates applicable for financial year 2026-27 under the EPF Scheme, 2026 and ESI Act, 1948. Always confirm with the latest government notifications.

Provident Fund (EPF + EPS)

Wage ceiling: ₹15,000/month

ComponentEmployeeEmployer
EPF12%3.67%
EPScapped ₹1,250—8.33%
EDLI—0.5%
Admin charges—0.5%
Total12%12.5%

Employee State Insurance (ESI)

Wage limit: ≤₹21,000/month

ComponentEmployeeEmployer
ESI0.75%3.25%
Total0.75%3.25%

Note: The EPF Scheme, 2026 (effective June 29, 2026) replaces the EPF Scheme, 1952. Contribution rates and wage ceilings remain unchanged. For establishments covered under ESI, the wage limit for applicability is ₹21,000/month (₹25,000 for employees with disabilities). Rates are subject to change by government notification.

FAQ

PF & ESI frequently asked questions

What is the wage ceiling for PF in 2026?
The PF wage ceiling remains ₹15,000 per month in 2026 under the EPF Scheme, 2026. Contributions are calculated on basic wages + dearness allowance, capped at this limit. Employees earning above ₹15,000 can voluntarily contribute on higher wages under Para 26(6) of the EPF Scheme.
What is the ESI wage limit for 2026?
The ESI wage limit for coverage is ₹21,000 per month (₹25,000 for employees with disabilities). Employees earning gross wages above this threshold are not covered under ESI. Once covered, employees must pay 0.75% and employers pay 3.25% of gross wages.
How is PF (Provident Fund) calculated?
PF is calculated at 12% of basic wages + dearness allowance from both employee and employer. The employer's 12% is split: 8.33% goes to EPS (Pension Fund, capped at ₹1,250/month) and 3.67% to EPF. Additionally, employers pay 0.5% for EDLI (insurance) and 0.5% for EPF admin charges.
What is the difference between EPF and EPS?
EPF (Employees' Provident Fund) is the retirement corpus that both employee and employer contribute to. EPS (Employees' Pension Scheme) is the pension component — 8.33% of the employer's 12% contribution goes to EPS (capped at ₹1,250/month), which funds a monthly pension after retirement.
Can an employee opt out of PF?
PF is mandatory for employees earning up to ₹15,000/month in establishments covered under the EPF Act. Employees earning above ₹15,000 who are already PF members cannot opt out. New employees earning above ₹15,000 may be excluded, but once enrolled, PF membership is generally irrevocable.
Is ESI mandatory for all employees?
ESI is mandatory for employees earning gross wages up to ₹21,000/month in establishments covered under the ESI Act. Both employee and employer must contribute. Coverage is based on the employee's gross wages, not designation or role.
What happens if an employee's wages exceed the ESI limit mid-year?
If an employee's wages exceed ₹21,000/month during the contribution period (April–September or October–March), they remain covered for the rest of that period. Coverage ceases from the next contribution period if wages consistently exceed the limit.
How does SignHR handle PF and ESI compliance?
SignHR automatically computes PF and ESI contributions from your salary structures and attendance data. It generates statutory-ready inputs that feed directly into your payroll or compliance provider — no manual calculations or re-keying required.

Automate it

Let SignHR handle PF, ESI & payroll automatically

Stop calculating contributions manually. SignHR computes PF, ESI, PT, and TDS inputs from your attendance and salary data — and hands off cleanly to your payroll provider or compliance engine.

See it in actionPayroll features

Official references

EPFO IndiaESIC PortalIncome Tax India

In their words

Loved by the people who run HR.

Hear what HR leaders across India say about running people ops on SignHR.

Book a demo

“Our QC checks are logged every single shift. My last audit was a five-minute export instead of a week digging through registers.”

SK

Sneha Kulkarni

Lab Operations Manager · Krishna Diagnostics

“Our crew just ask the assistant about their shift or pay now, and it answers correctly with the policy attached — even on a 500-person event day.”

NA

Neha Agarwal

Head of People · Memora Events

“Every engagement is on one board now — I can see what's due and who owns it without calling a meeting.”

RD

Rahul Deshpande

Delivery Lead · Krishna Consultancy Services

“Every field punch is on the map now, inside the collection area or not — the argument about who was where just ended.”

IS

Imran Shaikh

Field Supervisor · Krishna Diagnostics

“I can see headcount and attendance for every event in real time. The report I used to spend a day on takes minutes.”

VM

Vivek Menon

Operations Lead · Memora Events

Why SignHR

Set up your whole HR in minutes, not months.

All the HR a growing team needs, none of the enterprise overhead. Built for teams of 20 to 500 — and it scales as you grow.

No setup fee · no lock-in

Fast setup

Live in a day, not a quarter. No implementation consultants.

One place, not fewer features

Core HR, attendance, leave & onboarding — connected, not twelve apps.

Transparent pricing

Pay for what you turn on. No setup fee, no lock-in.

Scales with you

From 20 to 500+ without re-platforming.

HR they open daily

Self-service so good your team would rather use it than email HR.

Global-ready

Multi-country, multi-currency & statutory-aware payroll inputs.

Pricing