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PF and ESI calculator.
PF is 12% of Basic + DA from the employee and 12% from the employer, on wages up to ₹15,000; ESI is 0.75% and 3.25% of gross pay for employees earning up to ₹21,000 a month. Enter a salary to see every contribution, take-home pay and the cost to the company.
₹
Without the allowance.
₹
Basic + DA
PF wages
Rates as Stafrix applies them, October 2026. Check the latest EPFO and ESIC notifications before filing.
One month · full attendanceStafrix
- Gross pay
- ₹20,000.00
- PF (12%)on ₹9,000
- −₹1,080
- ESI (0.75%)
- −₹150
- Professional taxMaharashtra
- −₹200
The employer also pays
- EPS (8.33%)
- ₹750
- EPF
- ₹330
- EDLI (0.5%)
- ₹45
- PF admin (0.5%)
- ₹45
- ESI (3.25%)
- ₹650
- Total
- ₹1,820
Take-home pay₹18,570.00
Cost to the company: ₹21,820.00 a month.Try it free
How it’s worked out.
The same arithmetic the Stafrix payroll engine uses for every payslip.
Example
₹18,000 salary and ₹2,000 allowance in Maharashtra, a full month
- Basic + DA
- 50% of ₹18,000 = ₹9,000
- Employee PF (12%)
- 12% of ₹9,000 = ₹1,080
- Employee ESI (0.75%)
- 0.75% of ₹20,000, rounded up = ₹150
- Professional tax
- Maharashtra, above ₹10,000 = ₹200
- Take-home pay
- ₹20,000 − ₹1,430 = ₹18,570
- Employer pays
- PF ₹1,080 + EDLI ₹45 + admin ₹45 + ESI ₹650 = ₹1,820
Common questions.
How much PF does the employer pay?
12% of the PF wage, split into EPS (8.33% of wages up to ₹15,000, so at most ₹1,250) and EPF (the rest). The employer also pays EDLI at 0.5% and admin charges at 0.5%.
Is PF calculated on basic salary or gross salary?
On Basic + DA for the days paid, capped at ₹15,000 a month unless the company contributes on full wages. When Basic isn’t set separately, Stafrix takes it as half the salary.
Who is covered by ESI?
Employees whose monthly wages are up to ₹21,000. The employee pays 0.75% and the employer 3.25% of the month’s gross pay; the shares are rounded up to the next rupee.
How is professional tax worked out?
By state, from a monthly slab on gross pay. In Maharashtra, for example, it is ₹200 a month for salaries above ₹10,000, and ₹300 in February. Some states, like Delhi, have no professional tax.
Are these rates current?
They are the rates Stafrix applies as of October 2026. Rates and ceilings change by notification, so check the latest EPFO and ESIC circulars before filing.
Stop calculating by hand.
Stafrix works out every day’s pay as your team checks in, with PF, ESI and overtime on every payslip.