Full-and-final settlement estimator

Notice pay, leave encashment, gratuity, recoveries, and statutory deductions, computed in the right order so the TDS treatment is correct.

  • Five line items computed in the correct order
  • TDS treatment matches the new regime by default, switchable
  • Gratuity rounding follows the strict six-month rule
F&F result
1. Notice pay (recovered): INR [Amount]
2. Leave encashment: INR [Amount]
3. Gratuity: INR [Amount]
4. Recoveries: INR [Amount]
5. Statutory deductions on net: INR [Amount]
Net F&F payout: INR [Total]

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The order matters

The five F&F line items must be computed in this sequence: notice pay (or recovery), leave encashment, gratuity (if eligible), recoveries (advances, asset deductions), and statutory deductions on the net. Computing them out of order produces the wrong tax treatment.

Get this wrong and the TDS computation is off, the employee receives an incorrect Form 16, and reconciliation in the next financial year becomes painful.

Notice pay and the buy-out

If the employee buys out their notice, the buy-out amount is salary income for tax purposes and TDS applies. Many companies miss the deduction on the buy-out, leaving the employee with a year-end surprise.

The estimator surfaces this at the preview step and prompts the payroll administrator to confirm the deduction.

Gratuity and the cap

Gratuity follows the strict fifteen-days-per-completed-year rule with the twenty-lakh cap. The estimator pulls from the same engine as our standalone gratuity calculator.

If the employee has less than five years of continuous service, gratuity is zero unless the exit reason is death or disablement.

Frequently asked questions

Is leave encashment taxable?

Leave encashment at retirement or resignation is partially exempt under Section 10(10AA), with limits depending on whether the employer is a state or central government entity or a private employer. The estimator applies the relevant exemption.

When should the F&F be paid?

Within thirty days of the last working day, per most state shops-and-establishment acts. Companies that delay beyond this expose themselves to interest claims and labour-department scrutiny.

Can recoveries exceed the gross F&F?

In principle yes, but recoveries above the F&F amount need separate documentation and the employee's acknowledgment. The estimator flags this case explicitly.

How does this connect to the relieving letter?

Run the F&F estimator first, settle the numbers, then issue the relieving letter referencing the F&F. Issuing the letter before the F&F is a common but costly bug.

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