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India Retirement Calculators

Free, localized retirement planning tools updated for the 2026 financial year in India.

The Unified Pension Scheme is now the assured-pension track for central government employees: 50% of final-year average basic pay at 25 years of service, pro-rated from 10 years, with a ₹10,000 monthly floor, a 60% family pension, Dearness Relief indexation, and a separate retirement lump sum. The estimator runs the actual formula against your basic pay and service record, including the pro-rating curve that makes each year between 10 and 25 worth exactly 2% of final basic, for life.

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UPS Pension Estimator

Estimate your guaranteed monthly pension, family pension, and lump sum under India's Unified Pension Scheme (UPS) based on pay and service.

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Government-Sourced DataAll calculators built from official regulatory sources by Galvin Mendonca, Finance Researcher
All figures from primary government sources. Last updated July 2026.

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