Plan your retirement — from gratuity through corpus to monthly pension.
11 calculators covering gratuity (Payment of Gratuity Act 1972 + IT Act §10(10)), EPFO provident fund (PF / EPF / VPF), EPS monthly pension, GPF for central-government employees (CCS Pension Rules 1972), the speculative 8th Pay Commission revision, and retirement corpus planning. Every formula is cited to EPFO / PFRDA / CCS / IT Act.
Gratuity — Payment of Gratuity Act 1972 + IT Act §10(10).
Tax-free gratuity limit ₹20 lakh for private employees; unlimited for central-govt employees. Cited to Payment of Gratuity Act 1972 and IT Act §10(10).
Gratuity Calculator
Compute gratuity for private or government employees — last drawn salary × years of service × 15/26 (or 15/30 for non-covered employees).
Open calculatorGratuity: Private Employees
Gratuity calculator tailored for private-sector employees covered under the Payment of Gratuity Act — with tax-free limit check.
Open calculatorGratuity Formula Explained
Step-by-step breakdown of the 15/26 and 15/30 gratuity formulas with worked examples from the Payment of Gratuity Act 1972.
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EPFO provident fund and employee pension scheme.
Cited to EPFO circulars, EPF&MP Act 1952, and EPS 1995. Employer contribution split: 3.67% EPF + 8.33% EPS.
PF Calculator
Provident fund maturity value — employee + employer contributions at 8.25% p.a. EPFO interest rate.
Open calculatorEPF Calculator
Employee Provident Fund corpus at retirement — 12% employee + 3.67% employer EPF share, compounded annually.
Open calculatorVPF Calculator
Voluntary Provident Fund top-up maturity — same EPFO interest rate, voluntary contribution beyond 12%.
Open calculatorEPS Pension Calculator
Employee Pension Scheme monthly pension at 58 — pensionable salary × pensionable service ÷ 70, per EPS 1995.
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GPF and 8th Pay Commission — central-government pension tools.
GPF cited to CCS (Conduct) Rules and GPF (Central Services) Rules 1960. 8th CPC projection is speculative — recommendations not yet notified.
GPF Calculator
General Provident Fund maturity for central-government employees — 7.1% p.a. interest per Ministry of Finance quarterly notification.
Open calculator8th Pay Commission Pension
Speculative what-if projection — enter fitment factor (default 1.92×, range 1.92–2.86×) to estimate revised basic pay and pension.
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Retirement corpus — how much do you need?
Inverse-SWP formula: inflates today's monthly expense to retirement-age purchasing power, then solves for the corpus and the SIP needed to reach it.
The calculations on this page are illustrative based on current EPFO/PFRDA rules. Actual maturity values depend on contribution patterns, scheme rules in effect at maturity, and future rate changes. Educational content only — verify with EPFO/NSDL before financial decisions.