Pension Calculator

Fill in your details to calculate your estimated pension under the 8th Pay Commission

Note: This is an estimation based on previous pay commission trends

Your Pension Estimate (8th CPC)

Projected Basic Pension: ₹0
Projected Family Pension: ₹0
Expected Multiplication Factor: 3.0
Commuted Pension (if applicable): ₹0
Monthly Pension After Commutation: ₹0
Estimated Monthly Pension (8th CPC): ₹0

About 8th Pay Commission Pension

The 8th Central Pay Commission is expected to be implemented from January 2026, revising the pay and pension structure for central government employees and pensioners in India.

Key Features of 8th CPC Pension:

  • Likely multiplication factor between 2.5 to 3.0 for pension calculation
  • Expected increase in minimum pension amount
  • Probable revision of family pension rules
  • Potential changes in commutation rules
  • Possible increase in medical benefits for pensioners

This calculator provides an estimation based on trends from previous pay commissions and expected changes. Actual pension amounts may vary based on the official recommendations of the 8th Pay Commission.

Table of Contents

How to Use This Calculator

  1. Enter your current basic pay as per 7th CPC
  2. Provide your grade pay if applicable
  3. Enter your total years of service
  4. Select your pension type
  5. Use advanced options for more accurate results
  6. Click "Calculate Pension" to see your estimate

Frequently Asked Questions

1. When will the 8th Pay Commission be implemented?
The 8th Pay Commission is expected to be implemented from January 2026, though the official notification is still pending. The commission is likely to be constituted in 2025.
2. What is the expected multiplication factor for 8th CPC pension?
Based on previous trends, the multiplication factor is expected to be between 2.5 to 3.0. Our calculator uses 3.0 as the default factor, which you can adjust in advanced options.
3. How is pension calculated under the pay commission?
Pension is typically calculated as 50% of the last drawn basic pay (including grade pay) multiplied by the commission's multiplication factor. For family pension, it's usually 30% of the last drawn pay.
4. Will the 8th CPC increase minimum pension?
It is highly likely that the 8th CPC will increase the minimum pension amount, which was ₹9,000 under 7th CPC. Estimates suggest it may increase to ₹18,000-₹27,000.
5. What happens to my existing commuted pension?
Commuted pension is typically restored after 15 years. Under 8th CPC, your restored pension will be calculated based on the new pay scale applicable to your pre-retirement position.
6. How accurate is this calculator?
This calculator provides estimates based on trends from previous pay commissions and expert predictions. Actual pension amounts may vary based on the official recommendations of the 8th Pay Commission.
7. Will family pension rules change in 8th CPC?
There are expectations that 8th CPC may enhance family pension benefits, possibly increasing the percentage or duration of family pension payments.
8. What is the expected arrears period for 8th CPC?
If implemented from January 2026 as expected, arrears would likely be paid from that date until the actual implementation date (usually 6-12 months after the notification).
9. How does DA affect pension calculations?
Dearness Allowance (DA) is added to your basic pay for pension calculation. Our calculator includes current DA rate in advanced options for more accurate projections.
10. Can I calculate pension for voluntary retirement?
Yes, select "Superannuation/Retirement" as pension type and enter your actual service years. The calculator will estimate your pension based on completed years of service.