ESI calculator
Check ESI eligibility and estimate employee and employer contributions.
Coverage is tested on gross wages at the start of each contribution period (April to September, October to March).
Total monthly ESI
₹780.00
Covered under ESI
Indicative only. The daily-wage test here assumes 26 working days.
How it works
Employees' State Insurance (ESI) is a health and social security scheme run by ESIC. Employees in covered establishments whose gross wages are up to ₹21,000 a month (₹25,000 for persons with disability) are covered.
Eligibility is assessed for a contribution period. An employee who is covered at the start of a period stays covered until it ends, even if pay rises above the limit.
Formula
- Coverage: gross monthly wages ≤ ₹21,000 (₹25,000 for persons with disability)
- Employee ESI = 0.75% × gross wages
- Employer ESI = 3.25% × gross wages
- Employees with an average daily wage up to ₹176 do not pay their share; the employer still does
- Contribution periods: 1 April to 30 September, and 1 October to 31 March
Worked example
Gross wages of ₹19,500 a month
- Covered: ₹19,500 is within the ₹21,000 limit
- Employee ESI: 0.75% × ₹19,500 = ₹146.25
- Employer ESI: 3.25% × ₹19,500 = ₹633.75
- Total deposit: ₹780 for the month
Common mistakes to avoid
- Stopping ESI mid-period when an increment takes gross above ₹21,000.
- Testing eligibility on basic or CTC instead of gross wages.
- Leaving overtime out of wages for contribution when it is paid.
- Missing the 15th-of-the-month deposit deadline.
ESI calculator: FAQs
What is the ESI wage limit?
₹21,000 a month in gross wages, or ₹25,000 for persons with disability.
What happens if salary crosses ₹21,000 mid-year?
The employee stays covered, and contributions continue, until the end of the current contribution period. Coverage stops from the next period.
Is ESI deducted on overtime?
Overtime paid is generally part of wages for contribution, but it is not used to decide coverage. Confirm the treatment for your case with ESIC guidance.
When is ESI due?
Contributions for a month are due by the 15th of the following month.
Related reading
NeevHR runs these calculations for your whole payroll
PF, ESI, PT, TDS, gratuity and bonus computed from one employee record every cycle.
More free tools
Gratuity calculator
Estimate gratuity payable from last drawn basic + DA and years of service.
HRA exemption calculator
Work out the tax-exempt part of your house rent allowance (old regime).
PF calculator
Estimate monthly EPF and EPS contributions for employee and employer.
Take-home salary calculator
Estimate monthly in-hand pay from annual CTC under the new tax regime.
Statutory bonus calculator
Estimate annual statutory bonus at 8.33% to 20% of the calculation wage.
Salary hike calculator
Work out your percentage hike, or your new salary after a raise.
Salary TDS calculator
Compare TDS on salary under the old and new tax regimes.
CTC calculator
Break an annual CTC into basic, HRA, special allowance and employer costs.
Leave encashment calculator
Estimate the value of unused leave paid out in service or at exit.
Overtime calculator
Work out overtime pay from monthly wages and overtime hours.
Notice period calculator
Find the last working day and the buyout for a shorter notice.
Full and final settlement calculator
Estimate the net F&F: salary, leave encashment and gratuity, less recoveries.