About this Calculator
Some employers offer a choice between receiving gratuity as a lump sum or a monthly pension. Use this calculator to see which is financially better based on life expectancy and expected returns.
Input Parameters
- Qualifying Service (Years):Enter a value between 10yrs and 35yrs
- Last Drawn Salary (Basic+DA):Enter a value between ₹20000 and ₹200000
- Monthly Pension Amount (if opted):Enter a value between ₹1000 and ₹50000
- Expected Return on lump sum (%):Enter a value between 5% and 12%
- Life Expectancy (post‑retirement years):Enter a value between 10yrs and 40yrs