Loading...
Calculate your gratuity amount based on last drawn salary and years of service. Free gratuity calculator for Indian employees.
Estimate your gratuity amount
Gratuity is payable under the Gratuity Act, 1972 after 5 years of continuous service. Formula: (Last Salary × 15 × Years) / 26. Max ₹20 lakh exempt from tax.
Estimated Gratuity
Formula Used
100000 × 15 × 10 / 26
Years considered: 10 (max 30 years cap)
Gratuity is a lump sum for 5+ years of continuous service under the Payment of Gratuity Act, 1972. Calculated as 15 days last drawn salary per year. Max tax-exempt ₹20 lakh.
Use our Gratuity Calculator to get accurate results instantly. You may also want to explore our Salary Calculator or EPF Calculator.
The calculator applies the standard gratuity formula: (Last drawn salary × 15/26 × completed years of service). For employees not covered under the Act, the formula uses 15/30 instead of 15/26.
Enter your values
Input your gratuity calculator parameters including principal amount, interest rate, and tenure.
Adjust parameters
Use the sliders or numeric inputs to fine-tune your values for accurate results.
View results
Your results update in real-time showing EMI, total interest, and total payment.
Explore details
Check the amortization schedule, charts, and download the PDF report for your records.
15/26 represents 15 days wages for each completed year of service (26 working days per month). Minimum 5 years continuous service is required for eligibility.
1Last drawn (Basic + DA): ₹60,000
2Years of service: 15
3Gratuity = 60000 × 15/26 × 15
4Gratuity amount: ₹5,19,231
Gratuity Amount: ₹5,19,231
Our Gratuity Calculator uses the standard formula adopted by all major Indian banks and financial institutions. The calculation engine processes your inputs in real-time with 99.9% accuracy. All formulas are verified against official bank calculation methods and regulatory guidelines.
Last reviewed: 2026-06-12. We update our calculations whenever regulatory changes occur (tax slabs, interest rates, TDS rules, etc.).
Find answers to common questions about this calculator below.
Gratuity = (Last drawn salary × 15/26 × Years of service). Salary = Basic + DA (Dearness Allowance). You are eligible after completing 5 years of continuous service.
Gratuity received by government employees is fully tax-exempt. For non-government employees covered under the Gratuity Act, gratuity up to ₹20 lakh is tax-free. Any amount above ₹20 lakh is taxable.
(Last drawn salary × 15 × Years) / 26. Example: ₹50,000 salary, 15 years = ₹4,32,692.
Government: fully exempt. Non-government: least of actual, ₹20 lakh, or 15 days salary per year. Section 10(10).
Only for death or disablement. No minimum period in those cases.
Does not transfer. Each employer pays separately.
6+ months in a year = full year. 9 years 7 months = 10 years.