How is gratuity calculated?

Gratuity is commonly estimated as last drawn salary multiplied by 15 and eligible years of service, divided by 26.

How is PF maturity estimated?

PF maturity is projected using monthly contribution, expected annual interest rate, total investment period, and optional annual increase in contribution.

Gratuity & PF Calculator

Estimate gratuity eligibility and provident-fund maturity using one calculator built for employees planning long-term retirement benefits.

Calculate Gratuity and PF Maturity

Last Drawn Basic + DA (₹/month)

Years of Service

Monthly PF Contribution (₹)

PF Investment Period (Years)

PF Interest Rate (% p.a.)

Contribution Increase (% p.a.)

How gratuity and PF are estimated

Gratuity is estimated using the standard `15/26` rule based on last drawn salary and completed eligible years. PF maturity uses a compounding estimate with a configurable annual contribution increase.

Gratuity = Last Drawn Salary × 15 × Eligible Years ÷ 26

PF returns are market-linked to declared EPF interest rates. Use the interest field as an assumption, not a guaranteed future rate.

FAQ

Is five years of service needed for gratuity?

In most standard cases, gratuity eligibility begins after five years of continuous service.

Can PF maturity change if salary grows?

Yes. That is why this calculator lets you increase monthly contribution annually while estimating the final corpus.