How this is calculated
India (EPF): employees contribute 12% of basic pay + DA; employers match 12%, split into 3.67% to the EPF account and 8.33% to the EPS pension account (which doesn't earn interest and isn't included in the EPF balance shown here). The EPF balance is projected forward using compound annual growth at the entered rate. Gratuity uses the Payment of Gratuity Act formula: (15 × last drawn monthly basic+DA × completed years of service) ÷ 26, payable after a minimum of 5 years of continuous service.
Custom: Pakistan and other countries don't have a single uniform national provident fund formula the way India does — contribution rates and gratuity practices vary by employer, industry, and any applicable Standing Orders. Set your own employee/employer contribution percentages and gratuity day-rate to match your actual scheme.
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