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PF & Gratuity Calculator
EPF balance & gratuity estimate for salaried employees
Restrict to ₹15,000 wage ceiling
Allocate 8.33% to EPS (cap ₹1,250)
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Total Monthly Contribution
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Employee EPF
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Employer EPF
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Employer EPS
Monthly Contribution Split
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Figures are monthly. Adjust rates and toggles as per your policy.
Count ≥ 6 months as full year
Use 26 working days (15/26)
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Estimated Gratuity
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Years Counted
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Gratuity Remaining to Cap
Illustrative only. Actual employer policy, eligibility and statutory rules apply.
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Frequently Asked Questions
Who is eligible for gratuity?
Employees who have completed at least 5 years of continuous service with the same employer are eligible under the Gratuity Act.
Is PF mandatory?
Yes, for salaried employees earning up to ₹15,000 (Basic + DA) in organizations with 20+ employees. Others can join voluntarily.
Are PF and Gratuity taxable?
PF maturity is tax-free if service > 5 years. Gratuity is tax-free up to ₹20 Lakhs for non-government employees.
Can I withdraw PF before retirement?
Yes, partial withdrawals are allowed for specific reasons like buying a home, medical emergencies, marriage, or unemployment.