๐ด
Pension Calculator
Compare Old Pension Scheme (OPS) vs New Pension Scheme (NPS) with detailed breakdown
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โน50,000
30
60
5%
10%
10%
Years to Retire
30
Last Drawn Salary
โน2,16,097
Your NPS Contribution
โน39,86,331
OPS vs NPS Comparison
Old Pension Scheme (OPS)
50% of Last Drawn Salary
Monthly Pension
โน1,08,049
Annual Pension
โน12,96,583
Guaranteed
Lifetime + DA Benefits
New Pension Scheme (NPS)
Market-linked Returns
Total Corpus
โน3,59,30,210
Lump Sum (60%)
โน2,15,58,126
Monthly Pension (40% Annuity)
โน71,860
Side-by-Side Comparison
| Parameter | OPS | NPS |
|---|---|---|
| Monthly Pension | โน1,08,049 | โน71,860 |
| Lump Sum at Retirement | - | โน2,15,58,126 |
| Employee Contribution | Nil | โน39,86,331 |
| DA Benefit | Yes | No |
| Guaranteed | Yes (Govt backed) | Market dependent |
| Tax on Pension | Taxable | 60% tax-free lump sum |
NPS Corpus Growth
| Year | Salary | Monthly Contrib. | Corpus |
|---|---|---|---|
| 1 | โน50,000 | โน10,000 | โน1,26,703 |
| 6 | โน63,814 | โน12,763 | โน11,05,776 |
| 11 | โน81,445 | โน16,289 | โน29,64,566 |
| 16 | โน1,03,946 | โน20,789 | โน63,39,251 |
| 21 | โน1,32,665 | โน26,533 | โน1,22,95,473 |
| 26 | โน1,69,318 | โน33,864 | โน2,26,10,684 |
| 30 | โน2,05,807 | โน41,161 | โน3,59,30,210 |
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About Pension Calculator
Pension Calculator is a free online tool available on SabTools.in. Compare Old Pension Scheme (OPS) vs New Pension Scheme (NPS) with detailed breakdown. This tool is completely free to use, requires no signup, and works instantly in your browser. Your data stays private as all calculations happen on your device.
How to use Pension Calculator?
- Enter the required values in the input fields above
- The results will be calculated automatically in real-time
- You can copy or share the results as needed
Why use SabTools.in?
- 100% free โ no signup, no limits, no hidden fees
- Lightning fast โ runs instantly in your browser
- Privacy first โ your data never leaves your device
- Mobile friendly โ works on any phone, tablet or computer
- Made for India โ Indian number formats, GST, EMI & more
Frequently Asked Questions
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