Pension Calculators

How an Old Pension Scheme Monthly Pension Is Calculated

Full OPS pension is 50% of last-drawn basic pay plus DA, earned only at 33 years of qualifying service — fewer years scale the pension down proportionally, not to zero, but never above that 50% ceiling.

How Atal Pension Yojana Works: Contribution Table and Guaranteed Pension Explained

Atal Pension Yojana (APY) guarantees a fixed monthly pension from age 60 in exchange for a monthly contribution set by a published age-wise table — the earlier you join, the smaller your required monthly contribution for the exact same guaranteed pension, since a younger entrant's money has more years to build toward the same target.

How the EPS Monthly Pension Is Estimated

EPS pension comes from a single formula — pensionable salary, capped at ₹15,000, times years of service, divided by 70 — with no compounding, no investment return, and no dependence on salary above that statutory ceiling.

How the Same Retirement Salary Produces a Lump Sum and a Lifetime Pension

Feeding an identical ₹1,00,000 last-drawn salary and 33 years of service into both the gratuity and pension calculators produces a real ₹16,50,000 one-time payment alongside a real ₹50,000-a-month pension for life — two structurally different benefits from one retirement.

How Your EPS Monthly Pension Is Calculated

EPS pension is your capped average monthly salary (up to ₹15,000) multiplied by your years of pensionable service, divided by 70 — a fixed formula where more years of service and a higher salary (up to the cap) both raise the payout.