NPS & EPS Calculator
Estimate your National Pension System (NPS) maturity wealth, lump sum withdrawal, and monthly pension, or calculate EPS pension benefits.
NPS Settings
₹10,000
₹500₹1.5 Lakh
30 Yrs
18 Yrs59 Yrs
10.0%
5%15%
40%
40% (Min)100%
6.0%
4%10%
30%
5% Slab30% Slab
6%
0% (No Inflation)10%
EPS Settings
₹15,000
₹1K₹1 Lakh
20 Yrs
1 Yr35 Yrs
58 Yrs (Standard)
50 Yrs (Early)58 Yrs (Standard)
Apply Statutory Cap (₹15,000)
Limit salary to standard government cap for EPS
NPS Projections
Total Corpus Generated
₹--
Today's Value: ₹--
At age 60, market-linked projections
Monthly Pension
₹--
Today's Value: ₹--
From annuity reinvestment
Lump Sum Withdrawal
₹--
Tax-free cash withdrawal (60%)
Total Investment
₹--
Your monthly deposits
Interest Earned
₹--
Compounded wealth gains
Annuity Corpus
₹--
Reinvested in pension fund (40%)
Annual Tax Saved
₹--
Under Sec 80C & 80CCD(1B)
Corpus Allocation
Lump Sum Cash (Tax-Free)
Annuity Reinvestment (For Pension)
EPS Projections
Estimated Monthly Pension
₹--
Defined benefit payable at age 58
Pensionable Salary
₹--
Subject to statutory cap rules
Pensionable Service
--
Includes service weightage bonus
Checking eligibility...
Pension Calculation Formula
Under EPS Rules, the pension is calculated using:
Monthly Pension = Pensionable Salary × Pensionable Service70
- Pensionable Salary: Capped at ₹15,000 per month (standard limit) unless the higher actual salary toggle is chosen.
- Pensionable Service: Years of service completed. A 2-year weightage bonus is added for service over 20 years. Max service capped at 35 years.
- Minimum Service: Minimum 10 years of service is required to qualify for monthly pension payments.