Disclaimer: The calculators are intended solely as indicative tools to assist users in making informed decision. The results generated by these calculators are based on assumptions and input values chosen. Users are advised to exercise their discretion in making any financial decision. For detailed guidance on using these calculators please visit our YouTube channelDisclaimer: The calculators are intended solely as indicative tools to assist users in making informed decision. The results generated by these calculators are based on assumptions and input values chosen. Users are advised to exercise their discretion in making any financial decision. For detailed guidance on using these calculators please visit our YouTube channel

NPS/UPS Calculator for In Service Employees

Calculate pension benefits with central pay matrix

Personal & Salary Details

Projection Settings

Promotions

About NPS/UPS Calculator for In Service Employees

This calculator helps you compare NPS (National Pension System) and UPS (Unified Pension Scheme) benefits with realistic pay progression based on the 7th Pay Commission matrix. It takes into account your current pay level, increments, promotions, and DA growth to provide accurate projections. The calculator considers pay fixation rules, promotion benefits, and the impact of Dearness Allowance on your retirement corpus. This tool is particularly useful for government employees who want to understand the long-term implications of their career progression on retirement benefits.

NPV (Net Present Value) Calculations: The NPV columns show the present value of future benefits discounted at the expected inflation rate. Lump sum amounts are discounted from retirement date. For the "Monthly Pension / Annuity" row, the NPV shows the present value of the first month's pension/annuity payment (discounted from retirement date). For the "Pension/Annuity in Retirement Phase" row, the NPV shows the total present value of all pension/annuity payments over the retirement period. This helps you understand the value of your retirement benefits in today's terms.

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