EPS Pension Calculator — EPFO 2026

Important: This calculator is primarily intended for EPS members covered under post‑16 Nov 1995 EPS rules. Special legacy cases may differ.

Your Details

Fill in your service and salary information

Salary Information

Average Basic + DA (Last 60 Months) ₹/month

Please enter a valid salary.

Approved Higher Pension Option?

Service Period

Service Years

Max pensionable service is 35 years.

Additional Months 0–11

Pension Commencement

Pension Start Age

Early pension between 50–57 is reduced by 4% per year before 58. Deferring to 59–60 increases pension by 4% per year.

Projection

Expected Life Span Years

Assumed Inflation Rate % per year

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Monthly EPS Pension

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Annual Pension

₹0

Replacement Ratio

of current salary

Illustrative Lifetime Pension Received

₹0

Assumes pension remains constant; ignores inflation & time value of money.

Lifetime Real Value (inflation-adjusted)

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Pension = Pensionable Salary × Pensionable Service ÷ 70

Step-by-Step Calculation

Important: Pensionable salary is the average of last 60 months of Basic + DA, capped at ₹15,000 unless you opted for higher pension. Maximum pensionable service is 35 years. The 2-year bonus applies only if pensionable service (after rounding) is 20 years or more.

Comparison of pension amounts at different pension start ages, using your salary and service inputs.

Pension at Different Ages

Deferred pension (after 58): Deferring increases your monthly pension by 4% per year but you forgo those months of pension. The breakeven period depends on your pension amount and life expectancy — calculate both scenarios to compare lifetime totals.

⚠ EPS is a defined-benefit scheme. You do not own an individual EPS corpus — there is no personal account balance. The left chart shows the illustrative cumulative value of employer EPS contributions if invested at the EPFO declared rate, purely to contextualise what has flowed into the system on your behalf. The right chart shows how inflation erodes the real purchasing power of your fixed pension over retirement.

Illustrative EPS Contribution Value (Not Your Corpus)

Decumulation — Pension Purchasing Power

Illustrative only. EPS is a defined-benefit pension — members do not hold an individual corpus account. The contribution value chart uses employer's 8.33% of pensionable salary at 8.5% p.a. (EPFO declared rate) as an indicative figure only. Do not treat this as your EPS account balance. Decumulation: Nominal pension stays fixed; real value is discounted at your assumed inflation rate each year.

Applicable when EPS service is less than 10 years. Members who exit before completing 10 years of qualifying EPS service are not entitled to a monthly pension. Instead, they may claim a one-time EPS Withdrawal Benefit based on EPFO Table-D, which uses pensionable salary and completed years of service. Alternatively, a Scheme Certificate can be obtained to preserve service credit if you plan to rejoin an EPF-covered employer.

Estimated Withdrawal Benefit

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Table-D Factor Applied

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Pensionable Salary Used

₹0

Capped at ₹15,000 unless Higher Pension

Years of Service	Table-D Factor	Calculation	Withdrawal Amount

Table-D source: EPFO's official EPS Table-D factors represent the number of months of pensionable salary payable as withdrawal benefit per year of completed service (rounded down — partial years below 6 months are excluded). Factors shown are as per EPS-95 scheme rules. This estimate is indicative — actual entitlement is determined by EPFO based on your service and contribution records. Tax treatment of EPS withdrawal benefit may vary; consult a tax advisor.

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).