The right way to Use Gratuity & EPF Calculator to Maximise Your Retirement Financial savings

Retirement planning is essential to make sure a gradual move of revenue after you progress on from the working section of your life. One technique to save in your retirement is Gratuity and Worker Provident Fund (EPF). Gratuity and EPF, each, are non-equity-linked financial savings schemes that offer you a lump-sum quantity if you retire.

To calculate your anticipated revenue from gratuity and EPF, you need to use a gratuity calculator and an EPF calculator. With the assistance of those calculators, you possibly can achieve essential insights about your retirement financial savings and make any well timed changes, if required. Let’s study extra about utilizing these calculators to plan your retirement corpus.

The right way to Use a Gratuity Calculator?

You might be eligible for gratuity after rendering your companies to an employer constantly for five years. Listed here are the steps you should observe to calculate your gratuity quantity:

  • Open the Gratuity Calculator on the Dhan web site.
  • Now, enter your month-to-month wage within the given subject. That is your fundamental wage plus Dearness Allowance (DA).
  • Then, enter the length of your service.
  • You’ll now be capable to see the entire gratuity payable to you by the employer.

The right way to Use an EPF Calculator?

It’s essential to observe the steps mentioned right here to precisely calculate the EPF quantity receivable on the time of retirement:

  • Open the EPF Calculator on the Dhan web site.
  • Now enter your month-to-month wage adopted by your present age and retirement age.
  • It’s essential to additionally present the respective percentages of employer and worker contributions to the EPF.
  • Lastly, enter the typical annual increment and the prevailing EPF rate of interest.
  • You’ll now be capable to see the ‘Whole Maturity Quantity’ together with the time length.

Advantages of Utilizing EPF and Gratuity Calculators

Listed here are some advantages provided by these two helpful monetary instruments to assist maximise your retirement financial savings:

1. Gives Correct Knowledge and Calculations

The knowledge supplied by these two calculators is correct, not like handbook calculations which have greater possibilities of errors. With the assistance of calculations, you possibly can create an efficient retirement financial savings plan.

It’s also possible to discover a number of retirement situations with these calculators. Strive completely different inputs like age choices and rates of interest to find out the perfect mixture in your necessities.

2. Undertake Well timed Changes

With the assistance of those calculators, you may make well timed changes to your retirement plan. For example, any change in your revenue or rates of interest should be thought-about to make sure that your retirement plan is on observe.

3. Accessible for Free

Each these monetary instruments can be found freed from value. Therefore, you possibly can freely use them as and if you like to regulate your retirement financial savings plans. You additionally don’t want any particular devices to entry them, any pc or smartphone with an web connection will work.


Environment friendly retirement planning requires utmost accuracy whereas calculating for which utilizing an EPF calculator and a gratuity calculator is essential. These two calculators equip you with the information that may enable you put together a strong monetary plan in your retirement financial savings.

To study extra about the perfect on-line investing choices that may be part of your retirement plan, go to Dhan.