FREE RETIREMENT TOOL

Pension Calculator 2026

Estimate Basic Pension, Dearness Relief (DR), commuted pension and monthly pension after commutation.

Enter Pension Details
₹
%
Use the percentage applicable to your case.
%
Enter the applicable DR rate.
%
Factor
Enter the factor applicable to your age/rules.
₹
Optional.
ESTIMATED MONTHLY PENSION WITH DR ₹0 Before other deductions
Basic Pension ₹0
Monthly DR ₹0
Commuted Portion ₹0
Estimated Commutation Lump Sum ₹0
Pension Breakdown
Last Basic Pay ₹0
Pension Percentage 0%
Basic Pension ₹0
DR Rate 0%
Monthly DR Amount ₹0
Basic Pension + DR ₹0
Commuted Pension Portion ₹0
Remaining Basic Pension ₹0
DR on Full Basic Pension ₹0
Estimated Monthly Pension After Commutation + DR ₹0
Estimated Annual Pension ₹0
Commutation Factor 0
Estimated Lump-Sum Commutation ₹0
Calculation:
Basic Pension = Last Basic Pay × Pension Percentage ÷ 100

DR = Basic Pension × DR Rate ÷ 100

Commuted Portion = Basic Pension × Commutation Percentage ÷ 100

Estimated Commutation Value = Commuted Portion × 12 × Commutation Factor
Important: This is an estimation tool. Pension calculation, qualifying service, minimum/maximum pension, additional pension, commutation eligibility, commutation factor, restoration, DR treatment, tax and other benefits depend on the applicable pension rules and government orders. Enter the rates and commutation factor applicable to your own case.
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