India Pension Calculator 2026
Estimate your EPS pension and EPF corpus based on your salary and years of service.
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How the Pension System Works in India
India's Employee Pension Scheme (EPS) provides a monthly pension based on the formula: (Pensionable Salary × Pensionable Service) / 70.
Pensionable salary is capped at ₹15,000/month (average of last 60 months). A bonus of 2 years is added to service if you complete 20+ years. Minimum pension is ₹1,000/month, and minimum 10 years of service is required.
Separately, EPF accumulates as a savings corpus with interest (currently 8.25% p.a.), available for withdrawal at retirement age 58.
Data source: https://www.epfindia.gov.in
Last verified: 2026-04-25