Pension Benefit Estimator
Plan your retirement with our easy-to-use calculator for State and EPFO pension benefits
Planning Your Retirement: Understanding Pension Benefits
Retirement planning is crucial for financial security in your golden years. Our Pension Benefit Estimator helps you understand potential retirement income from two primary sources: State Government Pensions and the Employees’ Provident Fund Organisation (EPFO) scheme.
Note: This calculator provides estimates only. Actual benefits may vary based on specific scheme rules, government policies, and individual circumstances.
State Government Pension
State government pensions in India are typically defined benefit plans that provide retired government employees with a regular income based on:
- Length of service (years worked)
- Last drawn salary (basic pay + dearness allowance)
- Pension formula determined by state government rules
EPFO Pension Scheme
The Employees’ Pension Scheme (EPS) is part of the EPFO that provides pension benefits to employees in the organized sector. Key features include:
- Applicable to employees earning up to ₹15,000 monthly
- Employer contributes 8.33% of basic salary to EPS
- Pension amount based on pensionable salary and service period
Why Estimate Your Pension?
Calculating your expected pension benefits helps you:
- Plan your retirement savings strategy
- Determine if additional investments are needed
- Make informed decisions about retirement timing
- Understand your post-retirement cash flow
Personalized Estimates
Get customized calculations based on your specific details
Compare Options
See differences between State and EPFO pension benefits
Plan Ahead
Make informed decisions about your retirement strategy
State Pension Estimator
Pension Estimate
EPFO Pension Estimator
Pension Estimate
What is a pension benefit estimator?
A pension benefit estimator is an online tool that calculates your expected monthly pension based on salary, service years, and retirement age.
How does the EPFO pension calculator work?
It calculates your pension using EPFO rules, factoring in your pensionable salary and years of service.
Is the pension estimator accurate?
It provides a close estimate, but final pension amounts depend on official calculations at retirement.
Can I use this tool for both EPFO and state pensions?
Yes, this tool supports estimates for EPFO and most state government pensions.
Do I need to register to use the calculator?
No registration is required. It’s a free and open tool.
What information do I need to use the estimator?
You need your date of birth, joining date, salary details, and expected retirement date.
Can private employees use the EPFO pension estimator?
Yes, if they contribute to the EPS (Employee Pension Scheme) under EPFO.
Is this estimator suitable for teachers and police staff?
Yes, if they are under state government pension schemes.
Does it include pension arrears?
No, it only estimates monthly pension – not arrears or other dues.
How is pensionable salary calculated?
It’s typically the average of the last 60 months’ basic + DA (for EPS).
Can I calculate my pension after 60 years?
Yes, you can set your expected retirement age to 60+ years.
Is the tool updated for 2025 EPFO rules?
Yes, it uses the latest pension formula as per 2025 updates.
Can pension be calculated for family members?
Yes, if you have their salary and service info.
Can I calculate early retirement pension?
Yes, by adjusting the retirement age field.
What is the maximum EPFO pension amount?
The amount varies but is capped as per EPFO rules.
Will this calculator show pension after commutation?
No, it currently shows gross monthly pension only.
How do I calculate state pension for Andhra Pradesh or Telangana?
Select your state and fill out the service details to get a state-wise estimate.
Is this estimator available in regional languages?
Some versions support Hindi, Telugu, and Tamil.
Does this calculator show income tax on pension?
No, it doesn’t compute taxes – only gross pension.
Where can I check my actual EPFO pension amount?
You can check it on the official EPFO portal using your UAN login.
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