Gratuity calculator: when it starts, and roughly how much
Gratuity is easy to forget until you change jobs. This shows when yours starts and roughly how much it is, so it's a date you plan with, not a surprise.
Your numbers
Common answers are filled in. Change the ones you know.
It's on your payslip. Gratuity uses basic pay plus dearness allowance, not your full pay.
It only changes the order on your statement.
What waiting costs you
1 year and 6 months to go
Your gratuity starts in about 1 year and 6 months
Permanent staff qualify after 5 years. It's 15 days' pay for each year of service, so at 5 years it would be about ₹86,538. A date to plan with, never a reason on its own to stay or leave.
Your small stepFind your joining date on your offer letter, and put your gratuity date in your calendar.
How we worked this out
- Qualifying service: 5 years for permanent staff.
- A year of gratuity: ₹30,000 × 15 ÷ 26 = ₹17,308.
- At 5 years: ₹17,308 × 5 = ₹86,538.
- Check your company's HR policy. How the year is counted can differ.
- How much it matters to you: 7 out of 10. It only changes the order on your statement.
Sources
- Labour codes, via Business Today (2025): Permanent staff get gratuity after 5 years of service. Since 21 November 2025, fixed-term staff get it after 1 year. It's 15 days' pay (basic plus DA) for each year of service. Up to ₹20 lakh is tax-free, and employers must pay within 30 days of you leaving.
How it works
Gratuity is 15 days' pay for each completed year of service, using basic pay plus dearness allowance: basic × 15 ÷ 26 × years.
Permanent staff qualify after 5 years. Since the labour codes came into force on 21 November 2025, fixed-term staff qualify after 1 year.
Up to ₹20 lakh of gratuity is tax-free, and employers must pay it within 30 days of you leaving.
Sources
- Labour codes, via Business Today (2025): How the year is counted can differ. Check your company's HR policy and the code's own rules.
Rules last checked: October 2026. They can change at any time, so check the official page before you plan anything.
Questions people ask
Should I stay until my gratuity date?
That's your call. A gratuity date is one fact among many, like your growth, your health and your plans. We only show the date.
How is a year counted?
Rules on part years can differ. Check your company's HR policy and the Code on Social Security.
Putting off more than one thing?
Pick up to five and get your Delay Statement: what to do first, what can wait, and one small step for today.
Want a nudge to act on it?
The app turns what you're putting off into a short list for each day: your Top 3 and one small step at a time. It's free.
We show what waiting costs on your own plans. We never tell you what to buy or invest in. Rules and averages change, so check the official pages before you plan anything.