Verified: FY 2026-27Last Updated: May 2026

EPS Pension Calculator (EPFO) 2026

Estimate monthly EPS pension with service rounding, caps, and early/deferred pension impact.

Identity

Service

Salary & Caps

Final pension

₹5,786

Per month estimate

Pensionable salary₹15,000
Service years25
Weightage years2
Base pension₹5,786
Adjustment factor1.00

Notes

  • Added 2 years weightage for 20+ years service at superannuation.

Related Guide

NPS 3.0 Guide — India's Revamped Pension System Explained →

Compare NPS vs EPS: understand PRAN, tax benefits, withdrawal rules, and new Multi-Scheme Framework.

EPFO Wage Ceiling ₹25,000 →EPF Interest Rate 2026-27 →EPF Withdrawal Rules 2026 →EPF CalculatorGratuity CalculatorNPS CalculatorRetirement Readiness Score

Frequently Asked Questions

How is EPS pension calculated?

Base EPS pension follows (pensionable salary × pensionable service) ÷ 70, with applicable weightage and age adjustments.

What is the EPS service rounding rule?

Service is generally rounded up when remaining months are 6 or more.

How does early or deferred pension affect amount?

Early pension (before 58) reduces pension, while deferred pension (after 58) may increase it, subject to scheme rules.

Do salary caps matter for EPS, and how does the ₹25,000 EPFO ceiling affect it?

Yes. Salary caps such as ₹6,500 and ₹15,000 have regulatory relevance depending on period and option eligibility. While the Union Cabinet approved raising the EPFO mandatory-coverage wage ceiling from ₹15,000 to ₹25,000 effective 17 September 2026, whether the EPS pensionable wage ceiling and formula move to ₹25,000 awaits the final EPFO notification and implementation guidance.

Educational estimate only. Confirm actual pension values with EPFO records and latest notifications.