🎯 Advanced Gratuity Calculator

Calculate Your Gratuity & Retirement Benefits

Enter your monthly basic salary
DA as % of basic salary
Total years worked (min 5 years)
One-time service completion bonus
Medical, housing, other benefits
For real value calculation
Effective Salary
₹0
Gross Gratuity
₹0
Total Benefits
₹0
Total Gratuity
₹0
Tax Deduction
₹0
NET Amount
₹0
Gratuity = 0.5 × (Basic + DA) × Years
⚠️ Eligibility: Minimum 5 years continuous service required. Tax-free limit: ₹10 Lakh (Gratuity Act)
Tax-Free Limit
₹10,00,000
Taxable Amount
₹0
Total Tax
₹0
Forfeiture Amount
₹0
Real Value (Inflation Adjusted)
₹0
Final Net Amount
₹0
Gross Amount
₹0
Total Deductions
₹0
Net Amount
₹0
Real Value
₹0
💡 Tax Limits: Gratuity Act: ₹10L | 15th Pay: ₹20L | Pension: ₹25L
Years to Retirement
0
Retirement Period
0
Monthly Expense at Retirement
₹0
Total Corpus Needed
₹0
Expected Gratuity
₹0
Additional Savings Needed
₹0

Formula Comparison

📋 Gratuity Act 1972

Formula: 0.5 × (BS+DA) × Years

Max Limit: ₹10,00,000

Tax Exemption: ₹10 Lakhs

Applicable: Private Sector

Amount: ₹0

📋 15th Pay Commission

Formula: 1 × (BS+DA) × Years

Max Limit: ₹20,00,000

Tax Exemption: ₹20 Lakhs

Applicable: Government (2016+)

Amount: ₹0

📋 Pension Related

Formula: (BS+DA) × Years / 300

Max Limit: ₹25,00,000

Tax Exemption: ₹25 Lakhs

Applicable: Government, PSU

Amount: ₹0

Detailed Comparison Table

Parameter Gratuity Act 15th Pay Pension Related
Multiplier 0.5 1.0 1/300
Max Limit ₹10 Lakh ₹20 Lakh ₹25 Lakh
Tax Exemption ₹10 Lakh ₹20 Lakh ₹25 Lakh
Minimum Service 5 years 5 years 5-10 years
Sector Private Government Government, PSU

📊 Year-by-Year Gratuity Projection

Service Year Gratuity Amount (₹) After Tax (₹) Real Value (₹) Growth (₹)

📈 Gratuity Growth Chart

📊 Retirement Corpus Projection

Year Age Annual Requirement (₹) Corpus Needed (₹) Shortfall/Surplus (₹)