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Retirement Planning Tool

EPF & Gratuity Calculator

Project your EPF corpus at retirement and calculate your gratuity amount accurately.

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Minimum 5 years required for gratuity

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Current rate (FY 2025-26): 8.25%

Enter your salary and service details above to calculate your EPF and Gratuity

How This EPF & Gratuity Calculator Works

This tool helps you estimate two of the most important retirement benefits for salaried employees in India — your Employees' Provident Fund (EPF) balance and Gratuity amount at the time of retirement.

EPF Projection

Your EPF grows every month with contributions from both you (12% of Basic + DA) and your employer (3.67% goes to EPF). We also factor in your expected salary growth every year and the current EPF interest rate (8.25% for FY 2025-26).

Gratuity Calculation

Gratuity is a lump sum amount paid by your employer when you leave the organization after completing 5 or more years of service. The formula used is: (Basic Salary + DA) × 15/26 × Years of Service. The maximum gratuity payable is currently capped at ₹25 lakhs.

Key Features

  • Accurate EPF calculation using 15.67% total monthly contribution
  • Accounts for annual salary increments
  • Option to enter your current EPF balance
  • Live results as you change inputs
  • Gratuity eligibility check (5+ years)
  • Current EPF interest rate pre-filled (editable)

Frequently Asked Questions

How is EPF maturity calculated?

EPF grows with monthly contributions from employee (12%) and employer (3.67%), plus annual interest (currently 8.25%). Our calculator factors in your salary growth over the years.

What is the current EPF interest rate?

The EPF interest rate for FY 2025-26 is 8.25%. You can adjust this rate in the calculator if needed.

How is Gratuity calculated?

Gratuity = (Basic Salary + DA) × 15/26 × Number of years of service. You become eligible after completing 5 years of service. The maximum gratuity is currently capped at ₹25 lakhs.

Does this calculator include employer's full 12% contribution?

No. Only 3.67% of the employer's contribution goes to your EPF account (8.33% goes to EPS pension scheme). Our calculator uses the accurate 15.67% total monthly credit.

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