Professional Pension Calculator & OPS/NPS Analyst
Calculate Pension, Gratuity, Commutation and compare with NPS Annuity.
Employment Data
Financial Details
OPS Benefit Report
Commutation (Lump Sum)
7th Pay Commission Pension Calculator (2026)
Welcome to the most comprehensive Old Pension Scheme (OPS) Calculator for Central and State Government employees. Planning for retirement requires precision. Our tool utilizes the latest 7th CPC Pay Matrix and Dearness Allowance (DA) trends to provide an accurate estimation of your Superannuation Pension, Retirement Gratuity, and Commutation values.
Whether you are analyzing the benefits of the defined benefit system or comparing OPS vs NPS annuities, this calculator simplifies the complex pension formulas used by the Department of Pension & Pensioners' Welfare.
How to Calculate Your Pension Step-by-Step
Input your Date of Birth, Joining, and Retirement. We auto-calculate your Qualifying Service (QS).
Enter your last drawn Basic Pay. The tool maps this to the 7th Pay Matrix levels automatically.
Adjust the projected DA %. Choose if you want to commute 40% pension for a lump sum.
View breakdown of Monthly Pension, Tax-Free Gratuity, and Family Pension entitlements.
The Mathematics Behind the Tool
Frequently Asked Questions
What is the minimum Qualifying Service for full pension?
Under the 7th CPC rules, the requirement for 33 years of service for full pension has been removed. Now, a government servant is eligible for a pension equal to 50% of emoluments after completing just 10 years of qualifying service.
How is the Commutation Factor decided?
The commutation factor depends on your Age on Next Birthday. For example, if you retire at 60, your age next birthday is 61, and the factor is 8.194. If you retire at 58, the factor is 8.296 (for age 59).
Is Retirement Gratuity taxable in India?
For Government employees (Central/State), the entire amount of Death-cum-Retirement Gratuity is fully exempt from Income Tax under Section 10(10)(i) of the Income Tax Act.
Does this calculator apply to Bank Employees?
Bank employees follow the Bipartite Settlement rules. While the basic logic of Basic + DA remains similar, banks often have different DA merger rates and updation factors. Select "PSU Bank" in the employment type for better approximation.