Gratuity Calculator
Estimate covered or contractual gratuity, service rounding, fixed-term eligibility and the remaining private-sector lifetime tax exemption.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్‌లు నవీకరించబడతాయి.
గ్రాట్యుటీ
చట్టం పరిధిలోని సాధారణ సేవకు 5 సంవత్సరాలు అవసరం. నిర్దిష్ట కాల ఒప్పందం పూర్తయితే 1 సంవత్సరం అవసరం, సేవా కాలానికి అనుపాతంగా చెల్లిస్తారు; మరణం/వైకల్యానికి 5 సంవత్సరాల షరతు ఉండదు. చట్టం పరిధిలోని సాధారణ సేవలో 6 నెలలకు మించిన భాగాన్ని మాత్రమే పై సంవత్సరానికి రౌండ్ చేస్తారు; పరిధిలో లేనివారికి పూర్తయిన సంవత్సరాలు వాడతారు. ప్రభుత్వ గ్రాట్యుటీ ఈ నమూనాలో లేదు.
- చెల్లించాల్సిన గ్రాట్యుటీ
- ₹2,30,769
- పన్ను-రహిత మొత్తం
- ₹2,30,769
- చెల్లింపు, సూత్రం ప్రకారం మొత్తం, మిగిలిన ₹20 లక్షల జీవితకాల మినహాయింపులో అతి తక్కువ మొత్తం.
- పన్ను మొత్తం
- ₹0
మీ లెక్కలు ఏమి చెబుతున్నాయి
Your gratuity is worth about 4.6 months of salary.
Covered employees earn 15 days' wages (salary ÷ 26 × 15) for every counted year of service.
All ₹2,30,769 of your gratuity is tax-free.
It stays within both the formula limit and the ₹20 lakh lifetime exemption.
Working 1 more month would add ₹28,846 to your gratuity.
Service of more than 6 months in your final year counts as a full year, so timing your exit can matter.
చెల్లించాల్సిన గ్రాట్యుటీ
మొత్తం ఎలా విభజించబడిందో చూడండి. మొత్తాలు రూపాయల్లో.
- Tax-free · 100.0%₹2,30,769
మీ లెక్కను అర్థం చేసుకోండి
Gratuity is an employer-paid exit benefit. Under the Social Security Code framework brought into force in November 2025, ordinary covered employment generally requires five years of continuous service; death/disablement waive that period and eligible fixed-term completion has separate pro-rata rules. This calculator estimates covered monthly-rated or non-covered contractual gratuity. It is not a government-service or seasonal-worker calculator.
Gratuity Calculator ను ఎలా ఉపయోగించాలి
- 1
Enter your last drawn salary
Covered employment: enter statutory payout wages, including any applicable allowance add-back, and separately enter monthly basic plus DA for the tax-exemption salary formula. Non-covered employment: enter ten-month average eligible salary, including qualifying DA and turnover-based commission. Government-service and seasonal/piece-rated rules are outside this model.
- 2
Enter years of service
Enter years plus months divided by twelve. Eight years six months is 8.5 and counts eight for ordinary covered employment. Eight years seven months is 8.5833 and counts nine. Five-year eligibility is checked before rounding; do not round a shorter actual tenure into eligibility.
- 3
Select coverage and exit reason
Select covered statutory employment or a non-covered contractual estimate. Then select ordinary resignation/retirement, death, disablement or fixed-term completion. Fixed-term eligibility in this model requires one year; service is prorated rather than rounded.
- 4
Read gratuity payable and tax position
The result shows actual or estimated payout, tax exemption and taxable excess. Earlier exemption claims reduce the lifetime balance; an optional actual payout can reflect better contractual terms. Eligibility disputes and different government-service rules require separate advice.
ఉదాహరణ
₹50,000 monthly wages, 8.5 years of service
A covered employee with ₹50,000 monthly wages (basic + DA) leaves after exactly 8 years 6 months. The calculator rounds up only a part-year in excess of six months, so 8.5 years counts as 8. Gratuity = 50,000 × 8 × 15 ÷ 26 = ₹2,30,769. It's well under the ₹20 lakh limit and the tax formula gives the same amount, so the whole payout is tax-free. Staying just past the half-year mark (say 8.6 years) counts as 9 years: 50,000 × 9 × 15 ÷ 26 = ₹2,59,615.
- Eligible years at 8.5 years
- 8
- Gratuity payable
- ₹2,30,769
- Tax-free portion
- ₹2,30,769
- Taxable portion
- ₹0
- Gratuity at 8.6 years (counts as 9)
- ₹2,59,615
Crossing the six-month mark adds ₹28,846, a full extra year's 15 days of wages.
ఇది ఎలా లెక్కించబడుతుంది
For covered employees the calculator uses gratuity = monthly wages × eligible years × 15 ÷ 26, capped at ₹20,00,000. For ordinary exits, eligible years are whole years plus one more only if the leftover fraction is strictly more than six months; exactly 8.5 years counts as 8. Death and fixed-term exits use the actual service without rounding. For employers not covered by the Act, it uses wages × completed years × 0.5 with no cap.
Eligibility: covered ordinary exits need at least 5 years, fixed-term exits at least 1 year, and death or disablement have no minimum. If you enter an actual payout, that amount replaces the formula figure.
Tax-free gratuity is min(payout, ₹20,00,000 − exemption already used, formula amount on the tax salary). The tax salary can differ from the wages used for the payout. Anything above that is shown as taxable.
తరచుగా అడిగే ప్రశ్నలు
Who is eligible for gratuity in India?
Ordinary covered employment generally requires five years of continuous service. Death/disablement waive that condition. Current fixed-term rules provide eligible contract-completion benefits on a pro-rata basis after one year's service. Working journalists, seasonal/piece-rated workers and disputes over continuous-service days have additional rules not represented here.
What is the gratuity formula?
Covered monthly-rated employment uses statutory monthly wages × 15/26 × eligible years, ordinarily subject to the notified ₹20 lakh statutory ceiling unless better terms apply. Non-covered employees' tax-exemption formula uses half of ten-month average eligible salary for each completed service year; contractual payment itself depends on employment terms.
Is gratuity tax free?
Yes, up to a cumulative lifetime limit of 20 lakh under Section 10(10). The exemption applies across all gratuity payouts you receive in your career, not per employer. Any amount beyond 20 lakh is taxed at slab rate as salary income. Government employees enjoy a fully tax free gratuity without the 20 lakh cap, with separate rules.
How is the year rounding rule applied?
For ordinary covered employment, a fraction strictly exceeding six months counts as another year. Eight years six months counts eight; eight years seven months counts nine. Non-covered calculation drops incomplete years. Fixed-term and deceased-employee gratuity is prorated. Rounding cannot create five-year ordinary eligibility.
Can I get gratuity before completing 5 years?
Death or disablement waives the ordinary five-year requirement. Current fixed-term contract-completion rules also provide a pro-rata benefit after one year. Other employer agreements can promise better terms; contentious continuous-service-day cases are not automatically treated as eligible here.
Is gratuity included in CTC?
Employers often include a non-cash gratuity provision in CTC. The simplified annual provision is about 4.81 percent of annual eligible wages (15/26 divided by twelve), not a monthly cash payment to you. Actual exit entitlement depends on wages, service, eligibility, ceilings and contractual terms.
Can my employer refuse to pay gratuity?
Only in cases of dismissal for moral turpitude or willful misconduct that caused damage or loss to the employer. In such cases, the employer can withhold gratuity to the extent of the damage. Apart from these specific exceptions, gratuity is a statutory right and must be paid within 30 days of becoming due.