From Your Salary to Your Savings — Every Rupee Counted
Free calculators for government employees and salaried Indians. Estimate your 8th Pay Commission salary, gratuity, pension, EPF corpus — and soon, EMI, income tax, and investment returns.
Most people calculate gratuity. Or pension. But never both together. Our Retirement Snapshot combines everything — so you see the full picture before you retire.
Gratuity for government employees is calculated as: (Last Basic Pay + DA) × Years of Service × 1/4. For central government employees, the maximum gratuity is capped at ₹20 lakh. Private sector employees follow the Payment of Gratuity Act formula: (Last drawn salary × 15 × Years of service) / 26.
The fitment factor is the multiplier used to revise salaries under a Pay Commission. The 7th CPC used 2.57. Unions are currently demanding factors between 2.86 and 4.38 for the 8th CPC. No official factor has been announced yet — the Commission is in its consultation phase as of mid-2026.
Under the Old Pension Scheme (OPS), pension is 50% of last drawn basic pay after a minimum of 10 years of qualifying service. Under the National Pension System (NPS), pension depends on your accumulated corpus and market returns. Our pension calculator gives you an estimate based on your inputs.
EPF withdrawal is tax-free if you have completed 5 years of continuous service. After retirement at age 58 or later, the full EPF corpus including interest is exempt from tax, provided the 5-year condition is met.
Yes — home loan EMI, car loan EMI, personal loan EMI, and an income tax calculator (old vs new regime) are all in the pipeline. Sign up for updates to be notified when they go live.