ESI Calculator 2026
Check whether ESI applies and calculate the employee and employer ESIC contribution on monthly gross wages.
- Coverage check
- Employee + employer share
- PwD ceiling ₹25,000
- Low-wage exemption
Not an official government calculator. This free tool is only to make your HR and payroll work easier. Tax and labour rules change every year, so treat results as estimates and verify with the official notification or your CA before filing or paying. Rules last reviewed on 23 October 2026.
ESI Contribution Calculator
All wages paid in cash, excluding overtime for coverage, but including it for contribution.
Contribution split
- Employee share (0.75%)Deducted from salary
- ₹135
- Employer share (3.25%)
- ₹585
- Total ESI
- ₹720
ESI contribution examples
| Gross wages / month | Employee (0.75%) | Employer (3.25%) | Total |
|---|---|---|---|
| ₹10,000 | ₹75 | ₹325 | ₹400 |
| ₹15,000 | ₹113 | ₹488 | ₹601 |
| ₹18,000 | ₹135 | ₹585 | ₹720 |
| ₹21,000 | ₹158 | ₹683 | ₹841 |
ESI and PF use different wage definitions — ESI is on gross pay, PF on Basic + DA. Calculate PF with the EPF calculator.
ESI benefits for employees
- Full medical care for the employee and family at ESIC hospitals and dispensaries.
- Sickness benefit at 70% of wages for up to 91 days a year.
- Maternity benefit at 100% of wages for 26 weeks.
- Disablement and dependants' benefits for employment injury.
- Unemployment allowance under the Atal Bimit Vyakti Kalyan Yojana.
Frequently Asked Questions
What is the ESI contribution rate in 2026?
The employee contributes 0.75% and the employer 3.25% of gross wages — 4% in total. These rates have applied since 1 July 2019 and are unchanged for 2026.
What is the ESI wage limit?
ESI applies to employees earning gross wages up to ₹21,000 per month (₹25,000 for persons with disability). The EPF ceiling rose to ₹25,000 in September 2026, but the ESI ceiling did not change.
What if salary goes above ₹21,000 during the year?
ESI continues until the end of the current contribution period (April–September or October–March). Coverage stops from the next contribution period.
Who does not pay the employee share of ESI?
Employees whose average daily wage is up to ₹176 are exempt from the employee share, but the employer still pays 3.25%.
When must ESI be deposited?
ESI contributions must be deposited by the 15th of the following month on the ESIC portal.
Is this the official ESIC calculator?
No. It is a free, unofficial tool by XoMB HR. Check esic.gov.in for the latest notifications.
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This is not an official calculator of the Government of India, the Income Tax Department, EPFO, ESIC or any state government. It is a free tool by XoMB Technologies to make everyday HR work easier. Rules, rates and limits change every year through budgets, notifications and court rulings, and your organisation's policy may differ. Results are estimates only and are not legal, tax or financial advice — confirm with the official source or a qualified CA / labour law consultant before acting. Rules last reviewed on 23 October 2026.