How much gratuity will I get when I leave?
Gratuity is a lump sum your employer pays when you leave after enough years of service. Enter your last basic pay and how long you worked there to see what you are due and how much of it is free of tax.
Gratuity
₹3,17,308
Indicative only. Your lender’s figures may differ. Nothing you enter here is sent anywhere or stored.
Gratuity = last basic + DA × 15 ÷ 26 × years of service
Under the Payment of Gratuity Act a final part-year of more than six months counts as a full year. Employers outside the Act use 15 ÷ 30 and completed years. Nothing is due before 5 years (1 year on a fixed-term contract). The Act pays up to ₹20 lakh, and up to ₹20 lakh is free of income tax.
If you enter
You get
These are the calculator's starting values. Change them above to see your own.
Compare interest rates and charges before you open one.
Kotak Mahindra Bank
IndusInd Bank
Equitas Small Finance Bank
DBS Bank India
Last basic pay + DA × 15 ÷ 26 × years of service, for an employer covered by the Payment of Gratuity Act. A final part-year of more than six months counts as a full year. Employers not covered use 15 ÷ 30 and completed years only.
Five years of continuous service, which this calculator applies. Some High Courts (Madras, in Mettur Beardsell v. Regional Labour Commissioner) have treated 4 years and 240 days worked in the fifth year as five years, so ask your employer if you are close. Fixed-term employees qualify after one year under the Code on Social Security, in force since 21 November 2025. On death or disability, the five-year rule does not apply.
For private sector employees, up to ₹20 lakh in a lifetime is free of income tax. Government employees' gratuity is fully tax free.
The Act caps gratuity at ₹20 lakh. An employer may choose to pay more; the part above ₹20 lakh is taxable.
Short reads that explain how it works before you decide.
Automatically organise your spending, track expenses and understand where your money goes.
