Why is my PF deduction exactly ₹1,800?

Because your employer contributes on the statutory wage ceiling of ₹15,000 rather than your actual basic. Twelve percent of ₹15,000 is ₹1,800. It is legal, and it means more take-home pay now and a smaller corpus later.

Can I contribute more than 12%?

Yes, through Voluntary Provident Fund. You can raise your own share up to 100% of basic. Your employer is not required to match the extra.

What happens to my PF when I change jobs?

It transfers. Your Universal Account Number stays the same and the balance moves to the new employer. Withdrawing instead resets the clock on your service and can be taxable if you have under five years of continuous service.

Provident fund contribution calculator

You put in 12% of your basic pay. Your employer matches it. But the two halves do not go to the same place: a slice of the employer share is diverted into the pension scheme instead.

That split matters, because the pension portion is capped and grows far more slowly than the provident fund portion. This calculator shows both, then projects what the balance becomes.

Balance after 20 years

₹50,74,267

₹8,351 goes into the provident fund every month

Your contribution: ₹4,800
Employer contribution: ₹4,800
Of which, to the pension scheme: ₹1,250
Of which, to the provident fund: ₹3,551
Total going into the fund each month: ₹8,351
Total contributed over the period: ₹20,04,120
Interest earned: ₹30,70,147

Everything above is worked out in your browser. Nothing you type is sent to us or saved anywhere.

How this is worked out

Both you and your employer contribute 12.0% of the contribution base.
Of the employer share, 8.33% of wages goes to the Employees Pension Scheme, and that part is always capped at ₹15,000 of monthly wages regardless of your actual basic.
Whatever is left of the employer share joins your own contribution in the provident fund.
The projection compounds the monthly provident fund inflow at the rate you enter, month by month.

What this does not cover

The projection assumes your basic pay never changes. In reality it rises, so the real balance is usually larger.
The interest rate is declared each year by the government and is not guaranteed in advance.
The pension portion does not accumulate as a balance you can withdraw the same way. It buys a monthly pension under a separate formula.
Interest on your own contributions above ₹2.5 lakh in a year is taxable.

Questions people ask

Why is my PF deduction exactly ₹1,800?: Because your employer contributes on the statutory wage ceiling of ₹15,000 rather than your actual basic. Twelve percent of ₹15,000 is ₹1,800. It is legal, and it means more take-home pay now and a smaller corpus later.
Can I contribute more than 12%?: Yes, through Voluntary Provident Fund. You can raise your own share up to 100% of basic. Your employer is not required to match the extra.
What happens to my PF when I change jobs?: It transfers. Your Universal Account Number stays the same and the balance moves to the new employer. Withdrawing instead resets the clock on your service and can be taxable if you have under five years of continuous service.

Where these figures come from

Rates and rules on this page were last checked against the source on 31 August 2026. Tax law changes; check the source before you rely on a number for a decision.

Related calculators

Running these numbers because you are weighing a move? See what is open right now.