EPS Pension Calculator (EPS-95)
EPS monthly pension = pensionable salary × pensionable service ÷ 70.
With the ₹25,000 wage ceiling (from 17 September 2026) and 35 years' service the maximum is ₹12,500 a month; you need at least 10 years of service.
How to use the EPS Pension Calculator
- Enter your average basic + DA of the last 60 months.
- Enter your total years of EPS service.
- Choose the age you'll start pension (58 is normal; 50–57 early; up to 60 deferred).
- Turn on 'higher wages' only if you opted for pension on actual salary.
Examples
₹15,000 salary, 33 years' service
Input: 33 yrs + 2 yrs weightage = 35
Result: ₹15,000 × 35 ÷ 70 = ₹7,500/month
Frequently asked questions
What is pensionable salary?
The average basic + DA of the 60 months before exit, capped at ₹25,000 from 17 September 2026 (₹15,000 before) unless you contribute on higher wages. Months before that date count at the old cap.
What is the 2-year weightage?
Members with 20 or more years of service get 2 extra years added to pensionable service.
Can I take EPS pension before 58?
Yes, from 50, but the pension is reduced (this calculator applies 4% per year short of 58). Deferring to 59 or 60 increases it.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-30 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.