Retirement · EPS
EPS Pension Calculator (EPFO) 2026 — (Salary×Service)/70, 60-Month Average, Early/Deferred
Estimate EPFO EPS pension with 60-month pensionable salary, service rounding, 2-year weightage (20+ years), early/deferred adjustments, and cap rules (₹6,500/₹15,000).
Educational estimate; verify with EPFO passbook/notifications; not affiliated with EPFO/Govt.
Quick facts:
- Formula: (salary × service)/70 with 2-year weightage for 20+ years at 58.
- Early pension: -4% per year short of 58; deferred: +4% per year to 60.
- Caps ₹6,500/₹15,000 unless higher-pension option applies.