EPS Pension Calculator: Estimate Your Monthly Pension
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Your EPS pension is roughly pensionable salary × years of service ÷ 70, payable from 58 if you have at least 10 years of service. Enter your figures below for an estimate. It runs in your browser and saves nothing.
Calculator
Estimate your monthly pension
Rules used
- At least 10 years of service for a monthly pension; less gives a withdrawal benefit.
- 2 bonus years for 20 or more years of service, only when the pension starts at 58 or later (not for early pension).
- Early pension from 50: about 4% less for each year before 58. Deferred to 60: about 4% more per year.
- Minimum ₹1,000 a month.
More: EPS pension explained.
Frequently asked questions
What salary should I enter?
Your average PF wage (basic + DA) over your last 60 months of service, up to the ceiling: ₹15,000 for service before 17 Sep 2026 and up to ₹25,000 after.
Why is my real pension different?
Service before 16 Nov 1995 and changes in 2014 use different formulas, and EPFO uses your exact record. Treat this as a guide.
Sources
- EPFO: Pension Scheme, accessed 5 Nov 2026.
- EPFO press release: benefits under EPS-95.
- EPFO: Wage ceiling FAQs (pensionable wages up to ₹25,000).