Gratuity Calculation Chart
Pre-calculated gratuity amounts across common monthly-wage levels and years of service, so you can look up a close estimate without doing the arithmetic yourself.
Gratuity Calculator
Get your exact figure — the chart below uses round wage numbers for readability.
The short answer
Every figure in this chart is (monthly wages × 15 × completed years)
÷ 26 — the same formula throughout, just run for different combinations
of wages and service length. Find your closest wage row and years column for a quick
estimate; use the calculator above for your exact number.
Gratuity by monthly wages and years of service
"Monthly wages" here means Basic + Dearness Allowance (+ retaining allowance, if any) — your last drawn figure, not your full CTC. If your salary structure pays a Basic below 50% of total pay, your actual statutory wage figure may be higher than what you're paid as Basic today — see the 50% wage rule (Rule of 50) before assuming your current Basic is the number to use.
| Monthly wages | 5 years | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|---|
| ₹20,000 | ₹57,692.31 | ₹1,15,384.62 | ₹1,73,076.92 | ₹2,30,769.23 | ₹2,88,461.54 | ₹3,46,153.85 |
| ₹30,000 | ₹86,538.46 | ₹1,73,076.92 | ₹2,59,615.38 | ₹3,46,153.85 | ₹4,32,692.31 | ₹5,19,230.77 |
| ₹50,000 | ₹1,44,230.77 | ₹2,88,461.54 | ₹4,32,692.31 | ₹5,76,923.08 | ₹7,21,153.85 | ₹8,65,384.62 |
| ₹75,000 | ₹2,16,346.15 | ₹4,32,692.31 | ₹6,49,038.46 | ₹8,65,384.62 | ₹10,81,730.77 | ₹12,98,076.92 |
| ₹1,00,000 | ₹2,88,461.54 | ₹5,76,923.08 | ₹8,65,384.62 | ₹11,53,846.15 | ₹14,42,307.69 | ₹17,30,769.23 |
Your wages likely fall between two rows — here's how to estimate
If your monthly wages are, say, ₹40,000, you're between the ₹30,000 and ₹50,000 rows. The formula scales linearly with wages, so you can interpolate: at 10 years, that's roughly halfway between ₹1,73,076.92 and ₹2,88,461.54 — around ₹2,30,769. For an exact figure rather than an estimate, use the Gratuity Calculator directly with your real wages.
Below 5 years of service? The chart doesn't apply to you yet
Every figure above assumes you've already crossed the eligibility threshold — 5 years of continuous service for permanent employees, 1 year for fixed-term employees. Below that, the formula isn't run at all; the payout is ₹0 regardless of wages. See gratuity eligibility rules in India for the exact threshold, including a common rounding-rule misunderstanding worth reading if you're close to the line.
A cap worth knowing about at the higher end
Nothing in the 15/26 formula itself is capped — but the amount you can receive tax-free is capped at ₹20 lakh, cumulative across your entire career (private-sector employees; government employees are treated differently). None of the figures in this chart exceed that limit, but if you're scaling these numbers up for a higher wage level, see the ₹20 lakh gratuity tax exemption limit for where that cap applies.
FAQ
Every figure uses the standard formula: (monthly wages × 15 × completed years of service) ÷ 26, applied identically across every row and column.
Interpolate between the two nearest rows for a rough estimate (the formula scales linearly with wages), or use the Gratuity Calculator with your exact wages for a precise figure.
The chart doesn't apply — below the eligibility threshold (5 years for permanent employees, 1 year for fixed-term), the payout is ₹0 regardless of wages. See gratuity eligibility rules in India for the exact threshold.
The 15/26 formula itself has no built-in cap, but the amount you can receive tax-free is capped at ₹20 lakh cumulative across your career for private-sector employees. See the ₹20 lakh gratuity tax exemption limit for details.
Basic + DA (+ retaining allowance, if any) — your actual wages under the gratuity formula, not your full CTC. If your Basic is structured below 50% of total pay, see the 50% wage rule before assuming your current Basic is the right input.
Last verified: 19 Aug 2026
Sources: Code on Social Security, 2020, Chapter V (formula convention carried forward from the Payment of Gratuity Act, 1972). Every figure in this chart was computed directly from the formula and cross-checked for proportional consistency before publishing.
This is an indicative estimate, not a substitute for the calculator or professional advice. Confirm your exact entitlement with your employer's HR/payroll team or a qualified professional before relying on this for financial decisions.