Your Details
Fill in your service and salary information
Salary Information
Please enter a valid salary.
Service Period
Max pensionable service is 35 years.
Pension Commencement
Early pension between 50–57 is reduced by 4% per year before 58. Deferring to 59–60 increases pension by 4% per year.
Projection
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Calculate My EPS Pension
How EPS Pension is Calculated — Key Rules
Official EPFO EPS-95 rules this calculator uses
Formula
Monthly Pension = (Pensionable Salary × Pensionable Service) ÷ 70
Salary Cap
Capped at ₹15,000/month unless you opted for Higher Pension under the Supreme Court 2022 ruling.
Service Rounding
≥6 months in a year rounds up to the next year. <6 months is dropped. Maximum pensionable service is 35 years.
20-Year Bonus
Members with 20 or more years of pensionable service receive a 2-year bonus added to the service count.
Early Pension (50–57)
Pension is reduced by 4% for each year before age 58. Must have completed 10 years of service.
Deferred Pension (59–60)
Pension is increased by 4% for each year deferred after 58 (up to age 60 maximum).
Minimum Pension
The minimum monthly pension under EPS is ₹1,000. Parliament has recommended increasing this amount.
Eligibility
Minimum 10 years of contributory EPS service required. Must be EPFO member. Pension begins at age 58 (normal).