ESI Calculator
Enter the monthly gross wage and see the employee, employer and total ESI contribution live — with the ₹21,000 coverage check built in.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Contribution breakdown
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Disclaimer: Indicative estimate. Employee 0.75% and employer 3.25% of gross wages per the ESI (Central) Rules. Actual liability may vary with wage components and exemptions.
How ESI contribution works
The Employees' State Insurance (ESI) scheme is a self-financing social-security scheme for Indian workers. Both employee and employer contribute a fixed percentage of the monthly gross wage. It is mandatory for covered employees earning ₹21,000 or less a month (₹25,000 for a person with disability).
Worked examples
The contribution is a straight percentage of the gross wage while the employee is covered. Once the gross wage crosses the ceiling, the employee is no longer covered and no ESI is deducted for that period.
Key terms explained
Gross wages
ESI is charged on gross monthly wages — basic, DA, HRA, and most allowances. It excludes annual bonus, gratuity and reimbursement of actual expenses.
Wage ceiling
Coverage applies while gross wages are ₹21,000 or less a month (₹25,000 for persons with disability). Cross the ceiling and ESI stops for that employee.
Contribution periods
ESI runs on two half-yearly periods — April–September and October–March. If wages cross the ceiling mid-period, contribution continues until the period ends.
Applicability
ESI registration is generally mandatory for establishments with 10 or more employees (20 in some states) once even one employee is within the wage ceiling.
Questions people ask
Short answers on ESI Calculator. Tap a question to open it.
01What are the ESI contribution rates?
The employee contributes 0.75% of gross wages and the employer 3.25%, a total of 4%. Employees earning up to ₹176 a day as average daily wage are exempt from their own share, but the employer still pays its part.
02What is the ESI wage ceiling?
ESI applies to employees drawing gross wages up to ₹21,000 a month, and up to ₹25,000 for employees with disability. If wages cross the ceiling mid-contribution-period, contributions continue until the end of that period.
03Which wage components attract ESI?
Basic, dearness allowance, house rent allowance, conveyance, overtime, attendance and incentive paid at intervals of up to two months. Annual bonus, gratuity, retrenchment compensation and reimbursements of actual expenses are excluded.
04When must ESI be deposited?
By the 15th of the following month. Contribution periods run April to September and October to March, with the corresponding benefit periods lagging by three months.
05What is the interest and damages for late ESI payment?
Simple interest at 12% per annum for the delay, plus damages that rise with the length of default under Regulation 31A and 31C — so late payment is expensive relative to the contribution itself.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.