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Pension calculator

For Central Government employees under the old pension scheme (CCS Pension Rules): basic pension, Dearness Relief, commutation lump sum, family pension and an 8th Pay Commission estimate.

Rules as of September 2026 · by NE Media

Last basic pay (₹ a month) Average basic pay of last 10 months Optional. Pension is 50% of whichever of the two is more beneficial.

Qualifying service (years) and months

Dearness Relief (DR) % Same as DA: 60% from January 2026. Your age now (years) Additional pension starts at age 80. Pension commuted % Up to 40%. This part is deducted for 15 years in return for a lump sum. Commutation factor 8.194 if you retire at 60 (age 61 next birthday). For other ages, use the official commutation table.

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Family pension (to the family after death)

How this is worked out

Basic pension = 50% of your last basic pay or of the average basic pay of your last 10 months, whichever is more beneficial. You need at least 10 years of qualifying service.
Minimum pension is ₹9,000 and maximum ₹1,25,000 a month (7th CPC).
Dearness Relief is paid on the full basic pension (and additional pension), even after commutation.
Commutation: lump sum = commuted pension × 12 × commutation factor. The commuted part is restored after 15 years.
Additional pension: 20% of basic pension at 80, 30% at 85, 40% at 90, 50% at 95 and 100% at 100.
Family pension: the normal rate is 30% of last basic pay (minimum ₹9,000). The enhanced rate is 50%: for 10 years if the employee dies in service, and for 7 years or until the pensioner would have turned 67 (whichever is earlier) if a pensioner dies.
8th CPC estimate: current basic pension × the fitment factor you choose. The commuted part stays at the old amount, as it did when the 7th CPC was introduced.

More detail: pension rules in plain language. On NPS? Try the NPS vs UPS calculator.

Gratuity and leave encashmentSee the other amounts you receive at retirement.

Gratuity calculator