OPS vs NPS vs UPS Pension Calculator
Compare your monthly pension, lump sum and gratuity under the Old Pension Scheme, NPS and the Unified Pension Scheme.
Choosing between NPS and the Unified Pension Scheme is one of the biggest financial decisions of a government career. This calculator projects your pay until retirement and shows, side by side, what each scheme would pay you every month, what you receive as a lump sum, and how family pension works.
What you will see
- Monthly pension under OPS, NPS and UPS at retirement
- NPS corpus, 60% lump sum and annuity pension
- UPS assured payout, lump sum (1/10th rule) and the effect of withdrawals
- Gratuity and OPS commutation
- Family pension under each scheme
Questions
Which pension schemes does the calculator compare?
The Old Pension Scheme (OPS), the National Pension System (NPS) and the Unified Pension Scheme (UPS) for central government employees, side by side, using your own pay, service and retirement details.
Is the result exact?
No. It is an estimate based on current rules and the assumptions you enter (pay growth, DA, market return and annuity rate). Your final pension is decided by your department and PFRDA.
How long can I use it after paying?
Access is linked to your account. Sign in on any device to open the calculator again.