Pension Calculators
Calculate atal pension yojana, EPS pension and government pension and other pension calculations.
India's pension schemes work in very different ways. Atal Pension Yojana guarantees a fixed pension in return for fixed contributions; EPS pays a pension from a formula based on salary and service; the old government pension is a share of last pay; and NPS builds a market-linked corpus. Choose the calculator for the scheme you are actually in.
Which Pension calculator do you need?
- What must I contribute for an Atal Pension Yojana pension?Atal Pension Yojana CalculatorLooks up the monthly contribution for your joining age and chosen pension from the scheme's chart.
- What EPS pension will my EPF membership give me?EPS Pension CalculatorApplies the EPS formula to your pensionable salary and years of service.
- What will my Old Pension Scheme pension be?Government Pension CalculatorPension from last drawn basic pay plus DA and qualifying service.
- How much tax does an extra NPS contribution save?NPS Tax Benefit CalculatorTax saved on the additional NPS deduction at your slab rate.
- What will my voluntary NPS Tier II account grow to?NPS Tier II CalculatorGrowth of regular Tier II contributions, which have no lock-in.
All Pension Calculators
Defined benefit vs defined contribution
APY, EPS and the Old Pension Scheme are defined-benefit: the pension follows a rule or chart, whatever the markets do. NPS is defined-contribution: the pension depends on how much was invested and what it earned, so its calculators need an assumed return and their results are projections rather than entitlements.
Limitations
- Scheme rules are set by the Government, PFRDA and EPFO and can change; check the scheme's official notice.
- Results are estimates and do not confirm eligibility.
Pension Guides
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.
Read guideHow 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.
Read guideHow 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.
Read guideHow 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.
Read guideHow 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.
Read guide