Is Konnect2Tools free?

Yes. These in-browser tools are completely free to use with no account required for core functionality.

Do my files leave my device?

Browser document operations run locally, except where the operation uses an external service, such as AI summarisation. Read the processing note before using sensitive inputs.

Is the PF & ESI Calculator tool safe to use?

Local operations process document content on your device. External-service operations may send inputs as described in the processing note. Keep originals and inspect the output.

What is the EPF contribution rate and how is it split?

EPF contribution for the employer and employee is each 12% of basic+DA. Employee's 12%: entirely goes to EPF Account 1 (employee's personal PF account). Employer's 12% is split: 3.67% to EPF Account 1 (employee account), 8.33% to EPS Account 10 (pension scheme, capped at ₹1,250/month). Additionally, employer pays: 0.5% to Account 2 (EPF administration), 0.5% to EDLI Account 21 (life insurance), 0.005% to EDLI administration. Total employer statutory contribution to EPF ecosystem: ~13.15% of basic wages. The employee's contribution (12%) is eligible for Section 80C deduction.

What is the ESI wage threshold and who is covered?

ESI covers employees earning up to ₹21,000/month gross wages (₹25,000/month for persons with disability). Coverage applies to factories and establishments in designated areas with 10+ employees (20+ in some states). Once covered, ESI continues until the end of the contribution period even if wages exceed ₹21,000 mid-period. ESI contribution: Employee 0.75% + Employer 3.25% = 4% total of gross wages. An employee earning ₹20,000/month contributes ₹150/month; employer contributes ₹650/month. Workers in construction, agriculture, newspaper industry, and seasonal establishments have different ESI application rules.

Can I withdraw my EPF balance before retirement?

Yes, with conditions: (1) Full withdrawal — only after 2 months of unemployment (58+ age: any time); (2) Partial advance — for specific purposes: housing construction (up to 36× monthly wages after 5 years service); medical treatment (self/family, up to 6× monthly wages); marriage (self/children/siblings, up to 50% employee share after 7 years); education (self/children post-10th, up to 50% after 7 years); natural calamity (up to 50%). EPF withdrawal within 5 years of joining attracts TDS at 10% (30% if no PAN). EPF withdrawal after 5 continuous service is tax-free.

What benefits does ESIC provide to covered employees?

ESIC benefits for covered employees: (1) Medical benefit — free OPD and hospitalization at ESIC dispensaries and hospitals for self and family (no co-pay, no limit); (2) Sickness benefit — 70% of daily wages for up to 91 days/year after 78 days contribution; (3) Maternity benefit — 100% wages for 26 weeks (8 weeks pre-delivery, 18 weeks post) for insured women; (4) Disablement benefit — 90% wages for permanent disability; (5) Dependents benefit — 90% wages distributed among dependents on employee's work-related death; (6) Funeral expenses — ₹15,000 lump sum. ESI hospitals are available in all industrial towns; for non-ESIC areas, reimbursement is available.

HR & Payroll Tools

PF & ESI Calculator

Calculate EPF and ESI contributions for employee and employer based on salary.

This tool provides an estimate or a starting draft. Check the assumptions and current official requirements before relying on the result. It does not replace qualified financial, legal or medical advice.

Run PF & ESI Calculator online

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Employee Provident Fund (EPF) and Employee State Insurance (ESIC) are two mandatory social security schemes for Indian employees governed by the EPF & MP Act 1952 and ESI Act 1948 respectively. EPF applies to establishments with 20+ employees where employee wages are ≤₹15,000/month (statutory wage ceiling); however, employees earning above ₹15,000 can voluntarily continue contributing on actual wages. EPF contributions: Employee 12% of basic+DA (full amount goes to EPF Account 1); Employer 12% split as 3.67% to EPF Account 1 (employee account) and 8.33% to EPS (Employee Pension Scheme) Account 10, capped at ₹1,250/month (EPS wage ceiling ₹15,000 × 8.33%).

ESI applies to establishments covered under the ESI Act in specified geographical areas, for employees earning up to ₹21,000/month gross (₹25,000/month for persons with disability). ESI contribution rates: Employee 0.75% of gross wages; Employer 3.25% of gross wages. ESI provides comprehensive benefits: medical treatment (outpatient and hospitalization), sickness benefit (70% of daily wages for 91 days/year), maternity benefit (26 weeks), disability benefit, dependents benefit for work-related death, and funeral expenses. Employers bear a significantly larger ESI burden than employees.

Administrative charges on top of EPF contributions: Account 2 (EPF administration) — employer pays 0.5% of basic wages (minimum ₹500/month per establishment); EDLI (Employees Deposit Linked Insurance) administration — 0.005% of wages (minimum ₹200/month). EDLI provides life insurance cover of up to ₹7L to EPF members at no cost to the employee. EPF interest rate for FY 2024-25 is 8.25% (declared annually by the EPF Central Board of Trustees). Employee contribution to EPF is eligible for Section 80C deduction up to ₹1.5L combined limit.

How to use this utility

Use the controls below—paste text, pick files, or adjust options as described on the tool.
Click the main action button. Processing runs in your browser on this device.
Download or copy the output. Check the processing note for any external services used by this operation.

Common use cases

Computing exact EPF deductions for an employee with ₹25,000 basic salary — both employee and employer components
Determining whether an employee with ₹22,000 gross salary is covered under ESIC or exempt from ESI
Calculating employer's total PF+ESI cost as percentage of CTC for HR budgeting
Verifying EPF contribution split between EPF Account 1 and EPS Account 10 for pension eligibility planning
Checking maximum EDLI insurance cover for an EPF-covered employee

Tips for best results

1Employees above ₹15,000 basic can request EPF contributions on actual basic (not capped at ₹15,000) — this increases retirement corpus but also increases employer cost, requiring mutual agreement
2Check your EPF passbook on the EPFO member portal (passbook.epfindia.gov.in) quarterly — delays in employer deposits are common and should be flagged immediately
3EPS pension is calculated on the last 60 months average pensionable salary (capped at ₹15,000) — eligible after 10 years of EPF membership; claim Form 10D at retirement
4ESI card must be activated at the nearest ESIC dispensary — failure to activate means you lose cashless hospitalization benefits despite contributing
5If your gross salary crosses ₹21,000 mid-year due to increment, ESI contributions continue until the end of the contribution period (April 1 or October 1) — you do not exit ESI immediately

Frequently asked questions

Is Konnect2Tools free?: Yes. These in-browser tools are completely free to use with no account required for core functionality.
Do my files leave my device?: Browser document operations run locally, except where the operation uses an external service, such as AI summarisation. Read the processing note before using sensitive inputs.
Is the PF & ESI Calculator tool safe to use?: Local operations process document content on your device. External-service operations may send inputs as described in the processing note. Keep originals and inspect the output.
What is the EPF contribution rate and how is it split?: EPF contribution for the employer and employee is each 12% of basic+DA. Employee's 12%: entirely goes to EPF Account 1 (employee's personal PF account). Employer's 12% is split: 3.67% to EPF Account 1 (employee account), 8.33% to EPS Account 10 (pension scheme, capped at ₹1,250/month). Additionally, employer pays: 0.5% to Account 2 (EPF administration), 0.5% to EDLI Account 21 (life insurance), 0.005% to EDLI administration. Total employer statutory contribution to EPF ecosystem: ~13.15% of basic wages. The employee's contribution (12%) is eligible for Section 80C deduction.
What is the ESI wage threshold and who is covered?: ESI covers employees earning up to ₹21,000/month gross wages (₹25,000/month for persons with disability). Coverage applies to factories and establishments in designated areas with 10+ employees (20+ in some states). Once covered, ESI continues until the end of the contribution period even if wages exceed ₹21,000 mid-period. ESI contribution: Employee 0.75% + Employer 3.25% = 4% total of gross wages. An employee earning ₹20,000/month contributes ₹150/month; employer contributes ₹650/month. Workers in construction, agriculture, newspaper industry, and seasonal establishments have different ESI application rules.
Can I withdraw my EPF balance before retirement?: Yes, with conditions: (1) Full withdrawal — only after 2 months of unemployment (58+ age: any time); (2) Partial advance — for specific purposes: housing construction (up to 36× monthly wages after 5 years service); medical treatment (self/family, up to 6× monthly wages); marriage (self/children/siblings, up to 50% employee share after 7 years); education (self/children post-10th, up to 50% after 7 years); natural calamity (up to 50%). EPF withdrawal within 5 years of joining attracts TDS at 10% (30% if no PAN). EPF withdrawal after 5 continuous service is tax-free.
What benefits does ESIC provide to covered employees?: ESIC benefits for covered employees: (1) Medical benefit — free OPD and hospitalization at ESIC dispensaries and hospitals for self and family (no co-pay, no limit); (2) Sickness benefit — 70% of daily wages for up to 91 days/year after 78 days contribution; (3) Maternity benefit — 100% wages for 26 weeks (8 weeks pre-delivery, 18 weeks post) for insured women; (4) Disablement benefit — 90% wages for permanent disability; (5) Dependents benefit — 90% wages distributed among dependents on employee's work-related death; (6) Funeral expenses — ₹15,000 lump sum. ESI hospitals are available in all industrial towns; for non-ESIC areas, reimbursement is available.

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