EPS Pension Calculator 2026 – Calculate Your Monthly EPFO Pension

Q: How is EPS pension calculated after the ₹25,000 wage ceiling?

Monthly pension is pensionable wages × pensionable service ÷ 70, worked out separately for each wage-ceiling period with wages capped at that period's ceiling, then added up. Only service from 17 September 2026 counts at ₹25,000, so the new ceiling does not raise the pension on past service.

Your Details

Fill in your service and salary information

Salary Information

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

Please enter a valid salary.

Higher Pension Member?

Pensionable Service by Wage-Ceiling Period

📅 Quick fill (optional): pick your EPS joining and expected exit dates and we split your service across the three periods. EPS joining date

Expected exit date

Before 1 Sep 2014 years · salary up to ₹6,500

1 Sep 2014 – 16 Sep 2026 years · up to ₹15,000

From 17 Sep 2026 years · up to ₹25,000

Max pensionable service is 35 years.

Decimals are fine (e.g. 4.5 = 4 yrs 6 months). The ₹25,000 ceiling is not applied retrospectively to earlier service.

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

Enter your details and click
Calculate My EPS Pension

Monthly EPS Pension

₹0

Annual Pension

₹0

Replacement Ratio

of current salary

Lifetime Total

₹0

Pension = Pensionable Salary × Pensionable Service ÷ 70

Step-by-Step Calculation

Important: Pensionable salary is the average of last 60 months of Basic + DA, limited to the wage ceiling in force for each period of service (₹6,500 / ₹15,000 / ₹25,000) unless you opted for higher pension; this calculator weights them by service. 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 point is typically 8–10 years.

Estimated family pensions payable if the member passes away. These are approximations; actual amounts are set by EPFO under the scheme's family pension provisions, subject to the ₹1,000 minimum.

Widow Pension

₹0

Approximation

Child Pension

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25% of widow pension
per child (max 2)

Orphan Pension

₹0

75% of widow pension
per child (max 2)

Widow pension is paid until the widow's death or remarriage. Children's pension (25% of widow pension per child, max 2 children) is paid until age 25. On remarriage, children receive orphan pension at 75% of widow pension each.

All family pensions are subject to a minimum of ₹1,000/month. Shown above is an approximation using the member pension as a proxy, not the scheme's exact family pension table.

🆕 What changed in EPS in 2026?

From 17 September 2026, the EPFO wage ceiling for mandatory coverage rose from ₹15,000 to ₹25,000 per month (Ministry of Labour notification S.O. 5109(E)). Pension contributions for service from that date are computed on wages up to ₹25,000, and the employer's maximum EPS contribution rises from ₹1,250 to ₹2,083 a month (8.33% of the ceiling).

Your past service is not automatically recalculated at ₹25,000. Under the Employees' Pension Scheme, 2026 (notified 29 June 2026), pension is computed proportionally for each period during which a wage ceiling operated, on the average of the last 60 months' wages. The formula, the 2-year bonus for 20+ years, the ₹1,000 minimum and the 4% early/deferred adjustment are carried over unchanged.

Automatic enrolment (amendment of 25 Sep 2026, effective 17 Sep 2026): existing EPF members who were not in EPS and whose wages on 17 Sep 2026 were ₹25,000 or less are now brought into EPS, with pension contributions from 17 Sep 2026. If this is you, only service from that date is pensionable service — enter it in the last service box. Those earning above ₹25,000 on that date stay outside automatic enrolment but can enrol through their employer.

Other EPS 2026 points: members who leave with under 10 years of eligible service can take a withdrawal benefit, now payable after a 36-month waiting period, or a Scheme Certificate to carry service forward. Pension claims are to be settled within 20 days of a complete application.

Worked example: service across three ceiling periods

Average Basic + DA ₹30,000 · 5 years before Sep 2014, 20 years from Sep 2014 to 16 Sep 2026, and 3 projected years after 17 Sep 2026 · pension starts at 58.

Ceiling period	Years × wages	Pension (÷ 70)
Before 1 Sep 2014	5 × ₹6,500	₹464
1 Sep 2014 – 16 Sep 2026	20 × ₹15,000	₹4,286
From 17 Sep 2026 (3 yrs + 2 weightage)	5 × ₹25,000	₹1,786
Monthly pension at 58		₹6,536

Each period is worked out on its own ceiling and the results are added; the 2-year weightage (28 years ≥ 20) is added to the latest period. If all 30 years were wrongly counted at ₹25,000 the figure would be ₹10,714. Each year of service before 17 Sep 2026 adds up to ₹214 a month (₹15,000 ÷ 70); each year after adds up to ₹357 (₹25,000 ÷ 70). Early pension does not get the weightage.

This is an estimate using a service-weighted average of the ceilings. EPFO calculates your actual pension from its contribution and service records.

How to use this calculator & FAQs

Enter your average monthly Basic + DA over the last 60 months before you leave.
Split your EPS service across the three wage-ceiling periods (your EPFO passbook shows the history).
Pick the age your pension starts: 50–57 early, 58 superannuation, 59–60 deferred.
Read the pension for each period and the total. EPFO's own figure decides.

How is EPS pension calculated after the ₹25,000 ceiling?
Wages × service ÷ 70, worked out separately for each wage-ceiling period with wages capped at that period's ceiling, then added up. Only service from 17 Sep 2026 counts at ₹25,000, so the new ceiling does not raise the pension on past service.

What are pensionable wages?
The average of the last 60 months of Basic + DA, capped at the ceiling for each period. Where the 60 months include periods without contributions, the wages are averaged over the days actually paid.

How many years do I need?
10 years of eligible service. With 20 or more years at superannuation, 2 years of weightage are added. With less than 10 years you get a withdrawal benefit or a scheme certificate.

Early or deferred pension?
Early pension is allowed from age 50 and is cut 4% for every year short of 58, without the 2-year weightage. You can defer to 60 and get 4% more for each completed year.

Minimum pension?
₹1,000 a month, applied before the early-pension reduction, so an early pension can come to less than ₹1,000. Commutation or return of capital taken earlier under EPS 1995 can reduce it further.

Not modelled: service before 16 Nov 1995, commutation/return of capital, and the exact withdrawal benefit table. The ₹6,500 pre-2014 ceiling and age 58 are EPS 1995 figures that EPS 2026 does not restate. Last updated: 4 October 2026.
Sources: Employees' Pension Scheme, 2026 (G.S.R. 527(E), 29 June 2026); its amendment of 25 Sep 2026 (G.S.R. 847(E)); Ministry of Labour announcement of the ₹25,000 ceiling (S.O. 5109(E)).

How EPS Pension is Calculated — Key Rules

EPS 2026 rules (carried over from EPS 1995) this calculator uses

Formula Monthly Pension = (Pensionable Salary × Pensionable Service) ÷ 70, with pensionable salary limited to the ceiling for each service period

Salary Cap Limited to the wage ceiling in force for each period (₹6,500 before 1 Sep 2014, ₹15,000 until 16 Sep 2026, ₹25,000 from 17 Sep 2026) 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).