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EPS Pension Calculator

↻ Updated FY 2026-27

Estimate your monthly pension under the Employees' Pension Scheme (EPS-95) — using the (pensionable salary × pensionable service) ÷ 70 formula, with the ₹15,000 statutory salary ceiling or your actual salary if you opted for higher pension.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Higher pension opted?
Pensionable salary (monthly)
Capped at ₹15,000 statutory ceiling
Pensionable service
+2 bonus years granted if service ≥ 20 years
Monthly EPS pension
₹6,429
₹77,143/yr
Pensionable salary used
₹15,000
₹15k statutory cap
Pensionable service
30 yr
years counted
EPS pension calculation
Pensionable salary (monthly)₹15,000
Pensionable service (years)30
Formula(salary × service) ÷ 70
Monthly pension₹6,429
Annual pension₹77,143
ASSUMPTIONS — FY 2026-27. The EPS-95 monthly pension is (pensionable salary × pensionable service) ÷ 70. Pensionable salary is normally capped at ₹15,000/month unless you opted for higher pension on your actual salary. Pensionable service adds a 2-year bonus once you complete 20 years (add it to the service input yourself). The minimum EPS pension is ₹1,000/month. This is an indicative estimate — confirm with EPFO and consult a professional.

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Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.