PF & Gratuity Calculator
PF & Gratuity Guide
Secure Your Post-Retirement Life
Planning for retirement or switching jobs? Understanding your Provident Fund (PF) and Gratuity is crucial. These are two of the most significant employment benefits in India.
Our PF & Gratuity Calculator helps you estimate your retirement corpus and the lumpsum amount you are eligible for after 5 years of service. It explains the calculation rules in plain language, helping you plan your financial future with confidence.
The Formulas
1. Gratuity Formula:
(15 × Salary × Years) / 262. PF Compound Interest:
Balance = Contribution × (1 + r/n)(n×t)Example Scenario
PF Calculation
₹5,000/mo for 20 Years @ 8%
≈ ₹29 Lakhs
Gratuity Calculation
Salary ₹50k, Service 15 Years
≈ ₹4.33 Lakhs
Why Use This Tool?
- Retirement Planning: Estimate your total corpus for a stress-free retirement.
- Job Switch: Know how much gratuity you can claim when leaving a company.
- Offer Comparison: Evaluate the long-term benefits of different job offers.
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Frequently Asked Questions
Employees who have completed at least 5 years of continuous service with the same employer are eligible under the Gratuity Act.
Yes, for salaried employees earning up to ₹15,000 (Basic + DA) in organizations with 20+ employees. Others can join voluntarily.
PF maturity is tax-free if service > 5 years. Gratuity is tax-free up to ₹20 Lakhs for non-government employees.
Yes, partial withdrawals are allowed for specific reasons like buying a home, medical emergencies, marriage, or unemployment.