EPS Pension Calculator

Estimate your Employee Pension Scheme (EPS) monthly pension at retirement with detailed contribution projections.

Accurate pension estimation
Yearly contribution tracking
Visual pension planning
EPS Pension
Personal Details
Years
Enter age (20–60 years).
Your current age.
Years
Enter retirement age (25–65 years).
Age at which you plan to retire (EPS pension eligibility).
Financial Details
₹
Enter salary (₹5,000–₹10,00,000).
Monthly basic salary plus dearness allowance (EPS cap is ₹15,000 unless opted higher).
Years
Enter past service years (0–40).
Years already served under EPS.
%
Enter increment (0–20%).
Expected annual salary increase.
%
Enter interest rate (5–12%).
Annual EPS interest rate for contribution growth (e.g., 8.25% for 2025).

EPS Pension Summary

Monthly Pension
₹0
Total EPS Contribution
₹0
Pensionable Salary
₹0
Interest Earned
₹0
Steps to EPS Planning
Track Contributions

Monitor monthly EPS deductions.

Estimate Pension

Project your monthly pension at retirement.

Plan Retirement

Strategize pension use for retirement needs.

Note: Projections are displayed for all years to retirement. Download the CSV for the full projection.
EPS Contribution Growth
YearAgeOpening Balance (₹)EPS Contribution (₹)Interest Earned (₹)Closing Balance (₹)Pensionable Salary (₹)Estimated Monthly Pension (₹)

What is EPS?

The Employee Pension Scheme (EPS) is a pension scheme under the EPFO in India. Employers contribute 8.33% of the basic salary + DA (capped at ₹15,000/month unless voluntarily higher) to provide a monthly pension after retirement.

EPS ensures a steady income post-retirement for salaried employees, calculated based on pensionable salary and years of service.

Did You Know?

With a ₹15,000 pensionable salary and 28 years of service, your EPS pension could be around ₹6,000/month!

Benefits of EPS

Provides a steady monthly income post-retirement.

Ensures financial stability for employees and their families.

Offers pension benefits to the family in case of the member's demise.

Frequently Asked Questions

Employers contribute 8.33% of the basic salary + DA (capped at ₹15,000/month unless opted higher) to the EPS.

You can receive a full pension at age 58 with at least 10 years of service. Early pension is available at 50 with reduced benefits.

The pension is calculated as: (Pensionable Salary × Years of Service) / 70, where pensionable salary is the average of the last 60 months' salary (capped at ₹15,000 unless opted higher).