NPS + EPS + Family Pension — Live updates!
EPS: 8.33% of ₹15,000 cap. Auto-calculated.
₹1,25,00,000
Total Corpus
₹35,000
Real Value: ₹18,000
₹75,00,000
Tax-free
| Age | Start | Contrib | Growth | End |
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Our comprehensive Pension Calculator helps salaried employees, government staff, and private sector workers accurately project their retirement corpus and pension income from multiple sources. Whether you're planning NPS contributions, calculating EPS benefits, estimating family pension, or optimizing retirement planning, this tool provides live updates and detailed projections for informed retirement decisions.
Calculate National Pension System (NPS) maturity, analyze Employee Pension Scheme (EPS) benefits, estimate family pension amounts, project retirement corpus growth, and make informed pension planning decisions with our specialized retirement calculator.
Comprehensive calculations covering NPS, EPS, family pension, and other retirement benefits with accurate government-approved formulas and current interest rates.
Get instant updates as you adjust contribution amounts, retirement age, or salary parameters with dynamic visualizations of your pension growth.
Accurate estimation of family pension benefits for spouses and dependents as per EPS 1995 rules, ensuring complete family financial security planning.
Compare different NPS contribution scenarios and withdrawal options to maximize tax benefits under Section 80CCD(1B) and minimize tax liability at retirement.
Used by employees, HR professionals, financial advisors, and retirement planners across India. No registration required - calculate your pension benefits instantly!
NPS (National Pension System) is a voluntary, market-linked retirement savings scheme where you contribute during employment and receive pension after retirement. EPS (Employee Pension Scheme) is a defined benefit scheme under EPFO where employer contributes 8.33% of basic salary, providing fixed pension based on service years and pensionable salary.
EPS pension = (Pensionable Salary × Service Years) / 70. Pensionable salary is average of last 60 months basic + DA. Maximum pensionable salary is ₹15,000 per month, and maximum service years considered is 35 years. For service beyond 20 years, additional 2% of pensionable salary is added per year.
NPS offers triple tax benefits: Section 80CCD(1) - up to ₹1.5 lakh under overall 80C limit, Section 80CCD(1B) - additional ₹50,000 deduction, and Section 80CCD(2) - employer contribution up to 10% of basic salary (no monetary limit). Up to 60% of corpus withdrawal is tax-free at maturity.
Under EPS, family pension is 25% of the member's pension amount payable to spouse/nominee. For the first 7 years or until the member would have attained 58 years (whichever is earlier), enhanced family pension equal to full member's pension is paid, after which it reduces to standard family pension rate.