EPF, ETF & Gratuity Calculator
What EPF and ETF cost on any salary, and what gratuity is owed after 5 years — the employer's side and the employee's side in one place.
Sources: EPF Act No. 15 of 1958 (8% employee, 12% employer); ETF Act No. 46 of 1980 (3% employer); Payment of Gratuity Act No. 12 of 1983; National Minimum Wage of Workers (Amendment) Act No. 11 of 2025 (Rs. 30,000/month from 1 January 2026). APIT is not included here — see the Salary & Tax (payroll) and APIT tools for take-home after tax.
Net salary with 8% employee EPF, 12% employer EPF, 3% ETF and downloadable payslip.
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Questions
On the same monthly earnings: the employee contributes 8% to EPF, the employer contributes 12% to EPF and 3% to ETF. So every Rs. 100,000 of salary costs the employer Rs. 115,000 and the employee takes home Rs. 92,000 before APIT.
No. Both are calculated on total monthly earnings with no cap, so a raise raises the contributions in proportion.
When the worker has completed 5 or more years of service with an employer who had 15 or more workmen. It is half a month's salary per completed year for monthly-paid workers, or 14 days' wages per year for other workers, and it must be paid within 30 days of termination.
No. This tool covers only EPF, ETF and gratuity. Use the Salary & Tax tool or the APIT calculator for take-home pay after tax.
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