ESI Calculator with PF Comparison

Calculate your ESI contributions and compare with PF deductions instantly

Basic + DA + Allowances (excluding HRA, PF, etc.)

Understanding ESI Contributions

Learn about Employee State Insurance and how your contributions are calculated

What is ESI?

ESI (Employee State Insurance) is a self-financing social security and health insurance scheme for Indian workers. It provides medical care and cash benefits to employees and their dependents.

Contribution Rates

  • Employee: 0.75% of gross salary (0.5% for disabled)
  • Employer: 3.25% of gross salary (3% for disabled)
  • Total: 4% of gross salary (3.5% for disabled)
  • Salary Limit: ₹21,000 per month

Benefits

  • Medical care for employee and family
  • Sickness benefit
  • Maternity benefit
  • Disability benefit
  • Dependent's benefit

How Our ESI Calculator Works

Our advanced ESI calculator uses the official contribution rates to compute deductions from your salary

ESI Calculation Formula

Here's how our ESI calculator online works:

  • Employee ESI: 0.75% of gross salary (0.5% for disabled employees)
  • Employer ESI: 3.25% of gross salary (3% for disabled employees)
  • PF Calculation: 12% from employee + 12% from employer on basic salary
  • Salary Limit: ESI applicable only if gross salary ≤ ₹21,000/month
This PF and ESI calculator provides comprehensive results for both contributions in one place, helping you understand your complete deduction breakdown.

Frequently Asked Questions

Answers to common questions about ESI and how it's calculated

ESI (Employee State Insurance) contribution consists of 0.75% deducted from employee's salary and 3.25% paid by employer, totaling 4% of gross salary (up to ₹21,000 monthly wage).

To calculate ESI, multiply gross salary (Basic + DA + allowances) by 0.75% for employee contribution and 3.25% for employer contribution. Our ESI calculator online automates this calculation.

Currently, employees earning up to ₹21,000 per month are eligible for ESI coverage. Our calculator automatically checks ESI eligibility based on salary input.

PF (Provident Fund) is a retirement savings scheme (12% from employee + 12% from employer), while ESI provides health insurance (0.75% + 3.25%). Our PF and ESI calculator compares both deductions.

Yes, you can create a PF and ESI calculation in Excel using formulas: =Salary*0.0075 for employee ESI and =Salary*0.0325 for employer ESI. Our tool also provides downloadable results.

Yes, our ESI contribution calculation tool is completely free, works on all devices, and requires no registration.

The standard ESI calculation formula is: Employee pays 0.75% of gross salary, employer pays 3.25%, totaling 4%. For disabled employees, rates are 0.5% and 3% respectively. Our calculator applies these rates automatically.

To calculate ESI on salary, multiply your gross monthly salary by 0.0075 for your contribution and 0.0325 for employer's share. For example, ₹20,000 salary would have ₹150 (employee) + ₹650 (employer) ESI.

Yes, you can create a PF and ESI calculation in Excel using formulas like =A1*0.0075 for employee ESI. However, our tool provides instant results with eligibility checks and downloadable reports.

PF (Provident Fund) is a retirement benefit (12%+12%), while ESI provides health insurance (0.75%+3.25%). Our PF and ESI calculator shows both deductions side-by-side for comparison.