The Monthly Pension Calculator helps you calculate your government pension amount based on last drawn basic pay, completed service years, pension type, and applicable Dearness Relief (DR). It also supports pension commutation and shows both monthly pension and lump-sum commutation value as per applicable government pension rules.
Pension Calculator: Monthly Pension & Commutation
| Components | Input Values |
|---|---|
Last Basic Pay (₹)*: |
|
Service Years*: |
|
Retirement Year: |
|
Pension Type: |
|
DR Percentage (%): |
|
Opt for Commutation? |
Age at Retirement: |
• Family Pension: 30% of last basic pay
• Full pension after 20/33 years service
This calculator is designed for retired and retiring government employees, pensioners, and HR or accounts professionals who want a quick and accurate pension calculation.
What This Pension Calculator Calculates
Using this calculator, you can find:
- Basic monthly pension
- Dearness Relief (DR) on pension
- Total monthly pension payable
- Reduced pension after commutation (if opted)
- Lump-sum commuted pension amount
- Annual pension estimate
- Pension eligibility based on service years
The calculation adjusts automatically based on:
- Retirement before or after 2006
- Self pension or family pension
- Completed qualifying service
- Age at retirement (for commutation factor)
Pension Calculation Rules Used
This calculator follows standard government pension rules:
- Minimum 10 years of service required for pension
- Self Pension: 50% of last basic pay (full pension)
- Family Pension: 30% of last basic pay
- Full pension eligibility:
- 20 years service (retired after 2006)
- 33 years service (retired before 2006)
- Commutation: Up to 40% of basic pension
- Dearness Relief (DR): Calculated on payable pension amount
If service years are less than the required period for full pension, the calculator applies pro-rata pension automatically.
How to Use the Monthly Pension Calculator
- Enter your last drawn basic pay
- Enter completed service years
- Select retirement year category
- Choose self pension or family pension
- Enter applicable DR percentage
- Select whether you want pension commutation
- Enter retirement age if commutation is selected
- Click Calculate
The calculator instantly shows a detailed pension breakup.
Who Should Use This Calculator
This pension calculator is useful for:
- Central Government pensioners
- State Government pensioners
- Retiring government employees
- Family pension beneficiaries
- HR, accounts, and pension offices
- Employees planning retirement benefits
Important Notes
- Pension calculations are indicative and based on standard rules
- Actual pension may vary based on department-specific orders
- DR percentage can change as notified by the government
- Commutation restoration period is not calculated here
FAQ
How is monthly pension calculated?
Monthly pension is calculated based on last drawn basic pay, qualifying service years, pension type, and applicable Dearness Relief.
What is the minimum service required for pension?
A minimum of 10 years of qualifying service is required to become eligible for government pension.
How much pension is paid after retirement?
Self pension is up to 50% of last basic pay, while family pension is calculated at 30% of last basic pay.
What is pension commutation?
Pension commutation allows up to 40% of basic pension to be converted into a lump-sum payment at the time of retirement.
Is Dearness Relief included in pension calculation?
Yes, Dearness Relief is calculated on the payable pension amount and added to arrive at total monthly pension.
Does this calculator work for family pension?
Yes, the calculator supports both self pension and family pension calculations.