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ESI Calculator India — Employee State Insurance

Calculate ESI contributions — employee 0.75% and employer 3.25%. Check ₹21,000 eligibility and understand ESI benefits.

Last updated: June 2026

Based on ESIC guidelines — FY 2026-27 contribution rates

✅ ESI applicable — you and your employer both contribute

Your contribution (0.75%)

₹135

Employer (3.25%)

₹585

Total ESI (4%)

₹720

Your annual

₹1,620

Employer annual

₹7,020

Total annual

₹8,640

Net Salary Impact (estimated)

Gross Wages₹18,000
Less: Employee ESI-₹135
Less: Professional Tax (est.)-₹180
Less: EPF Employee (est.)-₹1,800
Net Take-Home (est.)₹15,885

Professional Tax varies by state. EPF applies if basic ≤ ₹15,000.

🏥 What ESI covers for you:

  • Medical treatment for you and family (ESIC & empanelled hospitals)
  • Sickness benefit: 70% of daily wages for up to 91 days
  • Maternity benefit: 100% wages for 26 weeks
  • Disability benefit: permanent or temporary
  • Dependent benefit: to family on death due to injury
  • Funeral expenses: lump sum payment

Note: New/small establishments (less than 10 employees in manufacturing / 20 in others) may be exempt from ESI registration.

ESI rates and wage ceiling per ESIC guidelines FY 2026-27. Professional Tax and EPF estimates are illustrative — verify with your employer.

0.75% + 3.25%

Employee & employer rates

₹21,000 ceiling

Wage eligibility limit

ESI benefits

Medical, maternity, disability

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About ESI Calculator India

Our free ESI Calculator computes Employee State Insurance contributions — employee 0.75% and employer 3.25% of gross wages — with eligibility check for the ₹21,000 wage ceiling.

Shows monthly and annual contributions, estimated net take-home impact, and explains ESI medical and social security benefits.

No signup, runs entirely in your browser — your salary data stays private.

Read the full guide: ESI calculator India — ESIC contribution rates & benefits

When Should You Use the ESI Calculator?

ESI eligibility

Check if your wages fall under the ₹21,000 ceiling.

Contribution split

See employee vs employer ESI amounts.

Net salary impact

Estimate take-home after ESI, PT, and EPF.

Disabled employees

Extended ₹25,000 ceiling for disabled workers.

Employer cost

Understand total ESI cost to employer.

Frequently Asked Questions