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Tools · FY 2026-27 slabs · updated Aug 2026

PF calculator

On a ₹12L CTC, ₹8,350 flows into your EPF every month. At the current 8.25% rate, that compounds to ₹6.2L in 5 years, before any salary growth, so treat it as a floor.

In-hand Hike Gratuity PF HRA
Your pay
₹ lakhs
Where you live
₹ / month · drives HRA exemption + state picks professional tax
Old-regime deductions
your PF counts automatically
cap ₹50,000
EPF corpus in 5 years
₹6.2L at 8.25% p.a. · ₹8,350/mo flowing in

Monthly flows into your PF

Your contribution · 12% of basic ₹4,800/mo
Employer to EPF · 12% minus EPS ₹3,550/mo
Employer to EPS pension · 8.33%, capped ₹1,250/mo
Interest rate (EPFO, FY26) 8.25% p.a.

Compounded monthly on a constant basic. Every hike raises the flow, so the real corpus lands higher. EPF interest is tax-free up to ₹2.5L of annual contribution.

Same inputs · four more answers
In-hand salary calculator ₹90,192/mo in hand Salary hike calculator +₹10,459/mo at +12% Gratuity calculator ₹1,15,385 after 5 yrs HRA exemption calculator ₹1,92,000 tax-free
For candidates · free If the in-hand number feels light, the problem is usually the offer, not the tax. Roles on Flexiple benchmark against published market medians. Tell us your stack and city. Sending a resume with that ask? Check that it parses first: free ATS score out of 100 , built by Flexiple.
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For employers · the other side of this number Hiring at this band? A angular developer in Bengaluru runs ₹13.1L · $1,270/mo all-in, 66.6k matching profiles in the graph.
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Frequently asked questions

You contribute 12% of basic; your employer contributes 12% more, of which 8.33% (capped at ₹1,250) goes to EPS pension and the rest to EPF. On the default basic that is ₹8,350 a month combined.

8.25% per annum (EPFO, FY 2025-26 rate, credited annually). This calculator compounds monthly contributions at that rate.

Transfer, don't withdraw. Withdrawals before 5 years of continuous service are taxable and break compounding. Transfers via UAN keep the corpus intact.

Tax-free up to ₹2.5 lakh of your own annual contribution (₹5 lakh where the employer doesn't contribute); interest on contributions above that is taxed.

FY 2026-27 · new regime is the default state-aware professional tax
Entry level React Developer · Srikalahasti1 yr exp
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