What is left, and what lapses.

How this is worked out

Accrual is a flat number of days a month here. Real policies vary: some accrue on completed months only, some pro-rate a joiner’s first month, some credit the whole year in April. Set the months to what has actually been earned under yours.

A carry-forward cap is what most policies use to stop balances compounding. Anything above it lapses at the year end unless your policy encashes it.

Indicative only, and not tax or legal advice. Every company structures pay differently — change the assumptions above to match yours. Nothing here is stored or sent anywhere; the arithmetic happens in your browser.