Retirement Snapshot Calculator
If you retired today, what would your package look like? Combine your EPF, Gratuity, Pension, and Leave Encashment into one dashboard.
📝 Enter Your Current Details
Employee Type
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💡 Government pension is estimated at 50% of your Last Drawn Salary (Basic + DA).
What Makes Up Your Retirement?
1
Gratuity
A lump sum reward for long-term service. Calculated automatically based on your employee type and capped at statutory limits (₹25L for Govt, ₹20L for Private).
2
Leave Encashment
Payout for unused earned leaves. Calculated by dividing your salary by 30 and multiplying by your remaining leave days (capped at 300 days).
3
EPF / PF Corpus
Your accumulated provident fund savings. This is typically the largest portion of a private sector employee's retirement package.
4
Monthly Pension
Government employees under OPS typically receive 50% of their last drawn salary. Private sector employees receive EPS-95, which is capped at ~₹7,500/month maximum.
Frequently Asked Questions
Instead of calculating your EPF, Gratuity, and Leave Encashment separately, this tool uses your current salary and service years to calculate all of them simultaneously, giving you a total "Retirement Package" figure.
Private sector employees are covered under the Employees' Pension Scheme (EPS-95). Under this scheme, the maximum pensionable salary is capped by law at ₹15,000. Therefore, the maximum pension anyone can receive is currently around ₹7,500 per month, regardless of their actual salary.
EPF withdrawals are generally tax-free. Gratuity and Leave Encashment are tax-free up to statutory limits (₹20L - ₹25L). Monthly pension payouts, however, are treated as salary and are fully taxable according to your income tax slab.
Retirement Readiness
Calculate to see
Total Lump Sum Benefits
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Monthly Pension
₹0/mo
Package Breakdown
EPF Corpus
₹0
Gratuity
₹0
Leave Encashment
₹0
Enter your details to generate your retirement snapshot.