> Machine-readable version of [https://mypfsoftware.com/free-wage-ceiling-calculator](https://mypfsoftware.com/free-wage-ceiling-calculator). > Site index for agents: [https://mypfsoftware.com/llms.txt](https://mypfsoftware.com/llms.txt) This site publishes machine-readable documentation for AI agents. The site index is at [/llms.txt](https://mypfsoftware.com/llms.txt). A markdown version of this page is available at [/free-wage-ceiling-calculator.md](https://mypfsoftware.com/free-wage-ceiling-calculator.md). Every page can be requested as markdown by appending `.md` to its URL or by sending the `Accept: text/markdown` header. [](/) [Features](/features)[Solutions](/solutions)[Free Ceiling Calculator](/free-wage-ceiling-calculator) Resources [Book a Demo](https://calendly.com/andolasoft/30min)[Contact Us](/contact) Cabinet approved 16 September 2026 # 51 lakh new members nationally. How many land in _your trust?_ The EPFO wage ceiling is rising from ₹15,000 to ₹25,000 a month, the first revision in twelve years. Almost every article written about it addresses the employee worrying about take-home pay. Almost none addresses the exempted PF trust that has to onboard the members, carry the liability and place the corpus. ## Size it for your member base Four inputs, no sign-up. Adjust them to match your establishment and the numbers update as you type. ### Your trust today Current active membersMembers on the trust's ledger right now.Employees newly brought into coverageStaff not currently in the trust whose PF wages fall between the old and new ceiling.Average PF wage of that groupClamped to the ₹15,000–₹25,000 band.₹Existing members capped at the old ceilingMembers whose contribution basis was pegged to ₹15,000 rather than actual wages. Nothing is submitted or stored — the calculation runs entirely in your browser. ### What changes for the trust Members after the change 1,380 180 added — a 15.0% increase on today's ledger Extra into the trust corpus / month ₹11,90,920 Employee 12% + employer 3.67%, the share the trust actually holds Extra EPS remitted to EPFO / month ₹6,33,080 Employer 8.33% pension share — leaves the trust, goes to EPFO Total extra contribution / month ₹18,24,000 Corpus inflow plus EPS remittance combined Additional annual corpus inflow ₹1,42,91,040 What the investment committee has to place over a full year Of which, into approved debt ₹1,21,47,384 At the 85% floor of the prescribed allocation pattern Per member, at the ceiling An employee contributing at the statutory ceiling moves from **₹1,800** to **₹3,000** a month, and the employer matches. Of that employer share, 8.33% of wages is the pension contribution an exempted establishment remits to EPFO rather than to its own trust — which is why the corpus figure above is lower than a simple doubling of the headline number. Read this before quoting the number The Union Cabinet approved raising the ceiling from ₹15,000 to ₹25,000 on 16 September 2026. The implementing notification sets the effective date and the precise treatment of the pension share at the higher ceiling, so treat this as a planning estimate for your board rather than a final liability. It also assumes the 12% rate and the standard 8.33% / 3.67% split continue to apply. ## What the number turns into The contribution figure is the easy part. These are the six places it shows up afterwards. ### Onboarding, not just arithmetic Every newly covered employee needs a member account, UAN seeding, nomination capture and an opening ledger entry. A few hundred at once is a bulk onboarding exercise with a deadline attached, not a month-end task. ### A larger corpus to place Additional inflow has to be invested against the prescribed allocation pattern. A bigger monthly placement changes the investment committee’s cadence, and under the EPF Scheme 2026 a wrong investment decision carries a two-month recoupment clock. ### Interest declaration under a ceiling A larger corpus earning at a different blended yield feeds directly into what the Board can declare — which must now track income actually earned, capped at two percentage points above the statutory benchmark. ### More statements, same two months Statements of account are due to members within two months of financial-year close. That deadline does not move because the member count went up. ### A bigger number on the continuation filing Member counts, contribution totals and investment position all appear in the Form-II return. The ceiling change alters what your next continuation application says about the trust. ### Employees will ask about take-home A member contributing at the ceiling sees their deduction rise. Self-service access to balances and statements absorbs a lot of questions that otherwise land on HR. ## Take the real number to your board The estimate above uses four inputs. Run it against your actual wage register and it becomes a number you can defend in a trustee meeting — including which members cross the line, and what it does to your allocation pattern. [Run It On Your Wage Register →](/contact?intent=wage-ceiling-impact-review)[Book a Demo](https://calendly.com/andolasoft/30min) Also worth reading: [what the EPF Scheme 2026 changed for exempted trusts](/epf-scheme-2026) Related reading ## What the number means next The ceiling decision explained from the trust side, where the extra corpus has to be placed, and what it does to the rate you can declare. [EPF Scheme 2026 ### ₹25,000 Wage Ceiling: How Many Members Did Your Trust Just Inherit? The Union Cabinet raised the EPF wage ceiling from ₹15,000 to ₹25,000 on 16 September 2026. Every piece of national coverage is written for the employee. This one is written for the trust that has to absorb the members, the liability and the corpus growth. Read the post](/blog/epf-wage-ceiling-25000-exempted-pf-trust-impact)[Compliance ### The 85/15 Investment Norm: What It Means, What Counts as a Violation, and How to Stay Compliant The 85/15 investment rule is one of the most misunderstood obligations for exempted PF trusts. This guide explains PF trust investment norms in India — what qualifies, what does not, and how to avoid violations. Read the post](/blog/pf-trust-investment-norms-india-85-15-compliance)[EPF Scheme 2026 ### The New 2% Interest Ceiling: What Your Board Can and Cannot Declare Under the EPF Scheme, 2026 an exempted trust's interest rate must track the income it actually earned, capped at two percentage points above the statutory benchmark — and the Board must declare it annually under paragraph 13(9). Here is the arithmetic, and the surplus question nobody is asking. Read the post](/blog/pf-trust-interest-ceiling-para-13-9-board-declaration) ## Wage ceiling: common questions What is the new EPFO wage ceiling? The Union Cabinet approved raising the wage ceiling for mandatory EPFO coverage from ₹15,000 to ₹25,000 per month on 16 September 2026 — the first revision in twelve years. It is expected to bring roughly 51 lakh additional workers into mandatory coverage. The implementing notification sets the effective date. How much PF is deducted on a ₹25,000 salary? At the 12% statutory rate, an employee contributing at the ₹25,000 ceiling contributes ₹3,000 a month, up from ₹1,800 at the ₹15,000 ceiling, and the employer matches. For an exempted establishment the employer’s share splits further: 8.33% of wages is the pension contribution remitted to EPFO, leaving 3.67% for the trust’s own corpus. Does the ceiling change affect an exempted PF trust differently? Yes, in one important way. An unexempted employer remits everything to EPFO. An exempted trust holds the provident fund portion itself — the employee’s 12% plus the employer’s 3.67% — while still remitting the 8.33% pension share to EPFO. So the trust’s corpus grows by less than the headline contribution figure suggests, but its administration, investment and statement obligations grow with the full member count. Does the contribution rate change too? No. The 12% rate was retained under the EPF Scheme, 2026. What changes is the wage on which mandatory contribution is calculated. How accurate is this calculator? It is a planning estimate, not a liability computation. It assumes the 12% rate and the standard 8.33% / 3.67% split continue to apply at the higher ceiling, and it works from averages rather than your actual wage register. The implementing notification may refine the treatment of the pension share. Use it to size the problem for a board discussion, then run the real register before committing to a figure. Guidance only, not legal or actuarial advice. Confirm contribution treatment with your advisers and against the implementing notification. Deadline AMNESTY 2026 closes on 28 December 2026. A one-time EPFO window for trusts that hold Income Tax recognition but no formal exemption order. [Check whether yours qualifies →](/amnesty-2026) [Book a free demo](https://calendly.com/andolasoft/30min)[Request a free data assessment](/contact?intent=data-migration-assessment) [](/) India's dedicated PF Trust Management platform. Built for EPFO-exempted establishments. [info@andolasoft.com](mailto:info@andolasoft.com)[+91 9237381928](tel:+919237381928)Andolasoft (India) Private Limited A/65, Mancheswar Ind Est. Bhubaneswar 751010, Odisha, India [LinkedIn](https://www.linkedin.com/company/andolasoft-inc/)[Instagram](https://www.instagram.com/andolasoftinc/)[X](https://x.com/Andolasoft)[YouTube](https://www.youtube.com/@Andolasoft) ## Product - [Features](/features) - [Solutions](/solutions) - [Software vs Excel](/epf-trust-software) - [Data Migration Service](/data-migration) - [Free Wage Ceiling Calculator](/free-wage-ceiling-calculator) ## EPF Scheme 2026 - [EPF Scheme 2026](/epf-scheme-2026) - [AMNESTY 2026 28 Dec](/amnesty-2026) - [Exemption Continuation](/exemption-continuation) - [Compliance](/compliance) - [EPFO Checklist 2026](/compliance/checklist) ## Resources - [Blog](/blog) - [Help Desk](/help-desk) - [PF & Payroll ↗ (opens in a new tab)](https://www.crmleaf.app/product/payroll) - [Agent docs (llms.txt)](/llms.txt) ## Company - [Contact Us](/contact) - [Privacy Policy](/privacy) - [Terms of Service](/term) © 2026 myPF Software. A product of Andolasoft (India) Private Limited. All rights reserved.