PF Calculator New Labour Code 2026
Your PF contributions are about to get a major boost. Use this calculator to see exactly how much more goes into your retirement fund every month under the new wage rules.
CTC daaliye, current basic structure select kijiye, aur dekhiye new wage definition ke baad monthly in-hand kitna change ho sakta hai.
Current Monthly CTC
₹83,333
State wage floor used
₹20,358/month
Annual CTC band
10L
New wage base
₹41,667/month
New Monthly Take-Home
Calculated for Delhi with a IT/ITES salary structure.
Annual Impact Overview:
Over a year, take-home changes by ₹24,000. Your PF corpus grows by ₹12,000 a year more, and your gratuity accrual increases by ₹400.65 each month.
| Component | Old Structure | New Structure |
|---|---|---|
| Basic | ₹33,333 | ₹41,667 |
| HRA | ₹16,667 | ₹20,833 |
| PF (employee) | ₹4,000 | ₹5,000 |
| PF (employer) | ₹4,000 | ₹5,000 |
| Gratuity accrual | ₹1,603 | ₹2,003 |
| Professional Tax | ₹200 | ₹200 |
| Net Take-Home | ₹75,133 | ₹73,133 |
Last updated: 30 March 2026
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How PF Changes Under the New Labour Code
The formula stays the same: PF = 12% of Basic Salary. What changes is the size of the basic salary itself.
| Scenario | Old PF/month | New PF/month |
|---|---|---|
| ₹10L CTC, 30% basic | ₹3,000 | ₹5,000 |
| ₹15L CTC, 35% basic | ₹5,250 | ₹7,500 |
| ₹20L CTC, 25% basic | ₹5,000 | ₹10,000 |
Employee PF only. Employer matches the same amount.
PF Impact Across CTC Bands
See how different CTC bands are affected by the new wage rules.
| CTC | Old Take-Home | New Take-Home | Change | PF Growth |
|---|---|---|---|---|
| ₹5 LPADelhi · Basic 30% | ₹38,467 | ₹36,467 | ↓ ₹2,000 | +₹12,000/yr |
| ₹8 LPAMaharashtra · Basic 35% | ₹60,867 | ₹58,467 | ↓ ₹2,400 | +₹14,400/yr |
| ₹10 LPAKarnataka · Basic 40% | ₹75,133 | ₹73,133 | ↓ ₹2,000 | +₹12,000/yr |
| ₹15 LPATamil Nadu · Basic 35% | ₹1,14,300 | ₹1,09,800 | ↓ ₹4,500 | +₹27,000/yr |
| ₹20 LPAHaryana · Basic 30% | ₹1,54,467 | ₹1,46,467 | ↓ ₹8,000 | +₹48,000/yr |
All examples use 12% mandatory PF, IT/ITES industry, and the respective state minimum wage floor.
Step 1: Establish Current Structure
We take your Annual CTC and multiply by your current Basic % to get your existing Basic Salary.
Step 2: Apply 50% Wage Rule
Under the new code, Basic Salary must be at least 50% of CTC. We also check if the state minimum wage is higher and use whichever is greater.
New Basic = max(CTC × 50%, State Minimum Wage × 12)Step 3: Recalculate Deductions
PF: Basic × 12% (employee + employer match)
Gratuity: (Basic ÷ 26) × 15 days per year
Professional Tax: ₹200/month (standard estimate)
Step 4: Compute Take-Home
Take-Home = CTC − Employee PF − Employer PF − Professional Tax