Free, accurate calculators for gratuity, EPF and NPS — built on the current Indian rules, not last decade's numbers. No sign-up to use.
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For private-sector employees covered by the Payment of Gratuity Act, 1972.
Short, plain-English explanations of the formulas — and the edge cases most calculators quietly ignore.
Gratuity rewards long service. You qualify after 5 years of continuous service with one employer — waived if you die or are disabled.
You put in 12% of Basic+DA; your employer matches it. It compounds monthly and the rate for FY 2025-26 is 8.25%, credited by EPFO.
NPS invests across equity and debt for a market-linked return. At 60, part becomes a tax-free lump sum and the rest buys a pension.
For private-sector employees covered by the Payment of Gratuity Act, gratuity is tax-free up to ₹20 lakh — and this is a lifetime limit across all your employers, not per job. Government employees get full exemption with no cap. Anything above your remaining exempt limit is taxed as salary income at your slab rate.
Generally no — resignation needs 5 years of continuous service. The exceptions are death or disablement, where it's paid regardless of length of service. Courts have also accepted 4 years plus 240 working days in the fifth year as meeting the requirement. Fixed-term contract staff now qualify after just 1 year under the Code on Social Security.
The rate for FY 2025-26 is 8.25%, the same as the previous two years. It was notified by EPFO and is being credited to members' accounts. Interest is calculated on your monthly running balance but credited once a year.
You can take up to 60% of your corpus as a tax-free lump sum. The remaining 40% (minimum) must be used to buy an annuity, which then pays you a regular pension. That pension income is taxed as normal income in the year you receive it.
They use the official formulas and current rates, so they're a strong estimate. But real payouts depend on details like your precise salary history, employer EPS split, DA components and the annuity rate your NPS provider offers. Treat the results as planning figures and confirm final numbers with your employer or a chartered accountant.
A ready-to-use spreadsheet that pulls gratuity, EPF and NPS into one view, so you can see your whole retirement picture on a single page.