Retirement and PF calculators
EPF, gratuity and pension. Free, with every formula shown and no sign-up.
Rules for FY 2026-27 · Checked 24 October 2026
- CalculatorEPF calculatorYour provident fund balance at retirement.
- CalculatorGratuity calculatorGratuity when you leave, with the new labour code rules.
Guides
About these calculators
Your EPF, gratuity and investments together decide how comfortable retirement will be. EPF earns 8.25% for FY 2025-26, and up to ₹20 lakh of gratuity is tax-free for private-sector employees.
These calculators project your EPF balance at retirement, work out the gratuity you are owed, and show how long savings last when you draw a monthly income from them.
Frequently asked questions
How is gratuity calculated?
15 × last monthly basic and DA × years of service ÷ 26, for employers covered by the law. More than 6 months in the last year counts as a full year.
What is the EPF interest rate?
8.25% a year for FY 2025-26, declared by EPFO.
How much monthly income can ₹1 crore give?
Starting at ₹44,000 a month, rising 6% a year, it lasts about 30 years if the money earns 9%. See SWP for retirement income.