💰 Gratuity Calculator & Analysis

Estimate your gratuity under the Payment of Gratuity Act, 1972 — eligibility, tax exemption, year-wise projections, and retirement corpus.

① Your Employment Details

Basic Salary (₹/month) *

Dearness Allowance – DA (₹/month) DA is part of Last Drawn Salary for govt employees

Completed Years of Service

Additional Months (0–11) If > 6 months, year rounds up

Company Covered Under Gratuity Act?

Employee Type

Expected Annual Salary Growth (%)

Used for future projections

Your Current Age

Retirement Age

⚠️ Case of Death or Total Disability — waive 5-year eligibility rule

Current PF Balance (₹)

Monthly PF Contribution (₹) Combined employee + employer

PF Interest Rate (%)

Other Savings / Investments (₹)

Expected Return on Other Savings (%)

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Enter your basic salary, years of service, and click Calculate Gratuity to see your analysis.

⚠ Disclaimer: This tool is for informational and estimation purposes only based on the Payment of Gratuity Act, 1972 and current tax rules. Actual gratuity may differ based on company policy, collective agreements, and Income Tax assessment. The ₹20 lakh tax exemption limit is as per current IT rules (subject to change). Consult your HR department or a financial advisor for precise calculations.