Calculate your pension benefits with precision. Best online tool for government employees, ISRO pension, commutation analysis, and retirement planning. Get instant accurate results!
Most accurate pension calculator for Indian government employees. Calculate commutation percentages, DA components, gratuity, and residual pension amounts with 2025 updated rates.
Get detailed analysis of your commutation choices. Understand long-term financial impact, compare scenarios, and make informed retirement decisions with expert guidance.
Your financial data stays completely private. No registration required, no data stored on servers. Calculate pension benefits safely with bank-level security.
Perfect pension calculator for mobile, tablet, and desktop. Calculate anywhere, anytime. Responsive design ensures smooth experience across all devices.
Get immediate pension calculations with beautiful visualizations. No waiting, no delays. See detailed breakdowns of all pension components instantly.
Unique feature to understand exactly how much you gain or lose by commuting pension. 15-year analysis helps make the best financial decision.
Enter your salary details to calculate pension, commutation, DA allowance, and retirement benefits
Detailed analysis of your retirement benefits and commutation impact
Government pension calculation in India follows a standardized formula. For employees covered under the New Pension Scheme (NPS) or Old Pension Scheme (OPS), the basic pension is calculated as 50% of the average emoluments of the last 10 months of service.
Our free pension calculator uses the latest 2025 rates and factors to give you accurate results. Simply enter your basic salary, DA percentage, and commutation choice to get instant calculations.
Pension commutation allows you to receive a lump sum amount by surrendering a portion of your monthly pension. The current commutation factor is 8.194 for 12 years, meaning you get approximately 98 times your commuted monthly pension as a lump sum.
You can commute up to 40% of your pension. Our calculator shows the exact impact of different commutation percentages on your retirement income and helps you make an informed decision.
ISRO employees are covered under the Central Government pension scheme. This calculator is specifically designed considering ISRO salary structures, allowances, and pension benefits. It accounts for the latest DA rates and pay scales applicable to ISRO employees.
Whether you're a scientist, engineer, or administrative staff at ISRO, use this tool to plan your retirement effectively. Calculate your pension, gratuity, and other retirement benefits accurately.
Dearness Allowance significantly impacts your pension calculation. DA is fully merged with basic pay for pension purposes, effectively increasing your pensionable salary. Current DA rates are updated regularly based on All India Consumer Price Index.
Our calculator automatically factors in the DA percentage to show your total pension entitlement. This ensures you get the most accurate pension projections for retirement planning.
Effective retirement planning requires understanding all your benefits - pension, commutation, gratuity, PF, and other allowances. Start planning at least 10 years before retirement to maximize your benefits and ensure financial security.
Use our comprehensive calculator to model different scenarios, understand the long-term impact of your decisions, and create a robust retirement plan that ensures comfortable post-retirement life.
Why pay for pension calculations when you can get accurate results at no cost? Our calculator offers the same precision as premium tools without any charges. No hidden fees, no registration required, and no data collection.
Built by experts with deep knowledge of Indian pension systems, this tool is trusted by thousands of government employees across India for retirement planning and pension calculations.
Our calculator uses official government formulas and the latest 2025 rates. It's designed by experts and regularly updated to ensure 99.9% accuracy for Indian government pension calculations.
Yes, it works for Central Government, State Government, PSU, ISRO, DRDO, Railways, and other government organization employees covered under similar pension schemes.
Use our loss/gain analysis feature. Generally, if you can invest the lump sum at returns higher than 6-7% annually, commutation might be beneficial. However, consider your personal financial situation.
You can enter the current DA rate manually. DA is typically revised twice a year (January and July) by the government based on inflation indices.