PF and ESI calculator
Type one worker’s salary. See how much PF and ESI the worker pays and how much you pay. It uses the new ₹25,000 PF limit.
Work out PF and ESI
Rates this calculator uses
| What | Worker pays | Employer pays | Limit |
|---|---|---|---|
| PF | 12% of PF wages | 12% (8.33% to pension EPS, rest to EPF) | ₹25,000 a month from 17 Sept 2026 |
| EDLI and admin | — | 0.5% + 0.5% | EDLI on wages up to ₹25,000 |
| ESI | 0.75% of gross | 3.25% of gross | Gross up to ₹21,000 (₹25,000 with disability) |
PF wages are Basic + DA. Under the new labour codes, if allowances are more than half of total pay, the extra part is added back to wages. The calculator does this for you.
A worker whose average daily wage is ₹176 or less pays no ESI. The employer still pays 3.25%.
Rates as of 21 October 2026, checked against EPFO, ESIC and the Government press notes. For September 2026 only, PF has two parts: 1–16 Sept on ₹15,000 and 17–30 Sept on ₹25,000. This calculator shows a normal full month.
How to use the numbers
- Cut the worker’s PF share and ESI share from his salary.
- Add your own employer share.
- Pay PF on the EPFO portal and ESI on the ESIC portal by the 15th of next month.
- Keep the figures with the month’s salary register.
If you supply workers to clients, the employer PF and ESI usually go into the client bill too. See how to make a client bill with GST.
Questions people ask
What is the PF wage limit now?
From 17 September 2026 the PF wage ceiling is ₹25,000 a month. Before that it was ₹15,000. PF is compulsory for workers with PF wages up to ₹25,000.
Who pays the pension (EPS) part?
The employer. Out of the employer’s 12%, 8.33% goes to EPS on wages up to ₹25,000 (at most ₹2,083). The rest goes to the worker’s EPF.
Is the ESI limit ₹21,000 or ₹30,000?
It is ₹21,000 a month gross (₹25,000 for a person with disability). A rise to ₹30,000 has been talked about, but it is not notified.
Is my data saved?
No. The sums are done on your phone or computer. Nothing you type is sent to us.
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