ESI Calculator India โ FY 2025-26
Calculate your Employee State Insurance contributions for employee (0.75%) and employer (3.25%), check if you are covered under ESI based on the โน21,000 wage ceiling and establishment size, and estimate the value of ESI benefits including medical care, sickness benefit, maternity benefit, and disablement cover. Updated for FY 2025-26.
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How to Use This Calculator
ESI Contribution tab
Enter your monthly gross wages (basic + DA + HRA + city compensatory allowance). The calculator instantly shows the employee deduction (0.75%), employer contribution (3.25%), total ESI (4%), and annual amounts. See the take-home impact and total employer cost per employee.
Am I Covered? tab
Enter your monthly salary, number of employees in your establishment, and state. The calculator checks your eligibility against the โน21,000 wage ceiling (โน25,000 for PwD) and the minimum employee count requirement for your state. If covered, it shows your contribution amounts.
Benefits Value tab
Enter your monthly wages and years of expected ESI contribution. The calculator estimates the total value of ESI benefits you receive — medical care, sickness benefit, maternity benefit, disablement cover, dependant's benefit, and funeral expenses — compared to your contribution cost.
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The Formula
ESI contribution is calculated as a fixed percentage of gross monthly wages:
Employee ESI = Monthly Gross Wages × 0.75%
Employer Contribution:
Employer ESI = Monthly Gross Wages × 3.25%
Total ESI:
Total = Monthly Gross Wages × 4%
Wages include:
Basic Pay + Dearness Allowance + HRA + City Compensatory Allowance
Wages exclude:
Overtime wages, conveyance allowance (for duty), annual bonus, gratuity
The employer deducts the employee's 0.75% share from wages and adds their 3.25% share, depositing the combined 4% to ESIC by the 15th of the following month. ESI is calculated on the actual wages earned in a month, not on the wage ceiling.
Example
Priya — 26-year-old accounts executive, โน18,000 monthly wages
Priya works at a manufacturing firm in Bangalore with 50 employees. Her monthly gross wages (basic + DA + HRA) total โน18,000. She wants to know her ESI deduction and what benefits she gets.
Step 1: Monthly ESI contribution
Step 2: Annual contribution
Step 3: Benefits value
Priya pays just โน135/month (less than a cup of coffee a day) and gets comprehensive medical coverage for herself and her family, plus income protection during sickness and maternity. The employer bears the larger share at โน585/month.