EPS Pension Calculator (2025)
Your Input Values
Monthly Basic + DA Salary
₹0
Employee's PF Contribution (12%)
₹0
Employer's EPS Contribution (8.33%)
₹0
Employer's PF Share (3.67%)
₹0
Expected Yearly Salary Growth
0%
Date of Joining
-
Date of Retirement
-
Yearly Contributions
Yearly Basic + DA Salary
₹0
Yearly Employee PF (12%)
₹0
Yearly Employer EPS (8.33%)
₹0
Yearly Employer PF (3.67%)
₹0
EPF Interest Calculation (8.25%)
Total Yearly PF Contributions
₹0
Employee: ₹0
Employer: ₹0
Yearly Interest @8.25%
₹0
Monthly Interest: ₹0
Daily Interest: ₹0
Pension Results
Service Period
0 years
Your Actual Salary
₹0
Standard EPS Calculation (Capped at ₹15,000)
Pension Formula
(Pensionable Salary × Service Years) ÷ 70
Theoretical Calculation (Using Actual Salary)
Pension Formula
(Actual Salary × Service Years) ÷ 70
Final Pension Amount
Your Eligible Monthly Pension
₹0
Note: As per EPFO guidelines (2025), the minimum pension amount is ₹7,500 per month and pensionable salary is capped at ₹15,000.
Important: The theoretical calculation shows what your pension could be if the ₹15,000 cap didn't exist. The final amount shown is the higher of the two calculations when the theoretical amount exceeds ₹7,500.
Your Guide to the EPS Pension Calculator on
Fininformatory.in
Preparing for your golden years with the EPS Pension Calculator might seem
daunting, but Fininformatory.in makes it stress-free for private-sector
employees in India to estimate their pension under the Employee Pension Scheme
(EPS). Whether you’re curious about the higher EPS pension calculator or
just want to understand your retirement benefits, this tool is a game-changer.
In this article, we’ll break down how to use the EPS pension calculator online,
explain the inputs and results, and cover the EPF pension rules for private
employees as of 2025.
What’s the EPS Pension Calculator?
The EPS Pension Calculator on Fininformatory.in is a
free, easy-to-use tool that helps you figure out your monthly pension based on
EPFO guidelines. It calculates both the standard pension (capped at a ₹15,000
salary) and a theoretical higher EPS pension for those with bigger
salaries. It’s perfect for anyone contributing to the EPS through their EPF
account and looking to plan their retirement.
Why Use the EPS Pension Calculator Online?
Here’s why the new EPS pension calculator is worth
your time:
Accurate: It follows the official EPS pension
calculator formula for reliable results.
User-Friendly: The interface is clear and simple,
even if you’re not a finance expert.
Detailed Results: You get a full breakdown of
contributions, interest, and pension estimates.
Quick: No need for manual math—just enter your
details and get instant results.
Flexible: It accounts for salary growth and service
years, making it a versatile EPS pension calculator online.
How to Use the EPS Pension Calculator
Using the EPS pension calculator on Fininformatory.in
is a breeze. Here’s how to get started:
Step 1: Find the Calculator
Head to Fininformatory.in and look for the EPS Pension
Calculator in the financial tools section. No sign-ups or downloads
needed—just jump right in.
Step 2: Enter Your Details
You’ll need to provide a few details, ideally from your EPFO
passbook:
- Monthly
Basic + DA Salary: Your basic salary plus Dearness Allowance (e.g.,
₹25,000).
- Employee’s
PF Contribution (12%): This is 12% of your salary (e.g., ₹3,000 for a
₹25,000 salary).
- Employer’s
EPS Contribution (8.33%): Usually 8.33% of your salary, capped at
₹15,000 (e.g., ₹2,082.50 for ₹25,000).
- Employer’s
PF Share (3.67%): The employer’s remaining 3.67% contribution to your
PF (e.g., ₹917.50 for ₹25,000).
- Expected
Yearly Salary Growth (%): Guess your annual salary increase (default
is 5%).
- Date
of Joining: When you started contributing to EPS.
- Date
of Retirement: When you plan to retire.
Tip: When you enter your salary, the tool
automatically fills in the contribution fields, saving you time.
Step 3: Hit Calculate
Click the “Calculate Pension” button. The calculator checks
that your retirement date is after your joining date and will prompt you if
something’s off.
Step 4: Check Your Results
The tool gives you a clear breakdown of:
- Input
Summary: Shows your inputs like salary, contributions, and service
period.
- Yearly
Contributions: Lists your annual salary, employee PF, employer EPS,
and employer PF contributions.
- EPF
Interest (8.25%): Details the interest earned on PF contributions (not
EPS) at the 2025 rate of 8.25%, broken down by year, month, and day.
- Pension
Results:
Standard EPS Calculation:
Uses the ₹15,000 salary cap with the formula:
(Pensionable Salary × Service Years) ÷ 70
Theoretical Calculation:
Shows what your pension would be without the ₹15,000 cap.
Final Pension Amount:
Picks the higher of the two calculations (if the theoretical pension is over
₹7,500) or ensures at least ₹7,500.
- Service
Period: The years between your joining and retirement dates, rounded
to one decimal place.
- Notes:
Explains the ₹15,000 cap and the minimum pension of ₹7,500 per EPF
pension rules for private employees.
The results are neatly organized, so you can easily
understand your pension estimate.
The EPS Pension Calculator Formula Explained
The EPS pension calculator formula is
straightforward:
Monthly Pension = (Pensionable Salary × Service Years) ÷
70
- Pensionable
Salary: Usually capped at ₹15,000, unless you’re looking at the
theoretical calculation.
- Service
Years: The time you’ve contributed to EPS, based on your joining and
retirement dates.
For example:
- If
your salary is ₹15,000 and you’ve worked 25 years:
Pension = (₹15,000 × 25) ÷ 70 = ₹5,357.14. Since this is below ₹7,500, you’d get the minimum pension of ₹7,500. - If
your actual salary is ₹25,000:
Theoretical Pension = (₹25,000 × 25) ÷ 70 = ₹8,928.57. If this exceeds ₹7,500, it may be used.
The calculator handles these rules for you, so you don’t
have to crunch the numbers.
What Makes the New EPS Pension Calculator Special?
The new EPS pension calculator on Fininformatory.in
has some great features:
- Higher
EPS Pension Option: Shows what your pension could be without the
₹15,000 cap—perfect for higher earners.
- Auto-Calculated
Contributions: Enter your salary, and the tool fills in PF and EPS
contributions.
- Interest
Breakdown: See how much interest you earn yearly, monthly, and daily
on PF contributions.
- Mobile-Friendly:
Works smoothly on any device.
- Smooth
Navigation: After calculating, it scrolls to the results for easy
viewing.
EPF Pension Rules for Private Employees in 2025
To get the most out of the EPS pension calculator,
here are the key EPF pension rules for private employees as of 2025:
- EPS
Contribution: Employers put 8.33% of your salary (up to ₹15,000) into
EPS, and 3.67% into your PF.
- Minimum
Pension: The minimum monthly pension is ₹7,500.
- Salary
Cap: EPS calculations cap the pensionable salary at ₹15,000, but
higher pensions may apply in some cases.
- Service
Requirement: You need at least 10 years of service to qualify for a
pension.
- Interest
Rate: PF contributions (not EPS) earn 8.25% interest in 2025.
The calculator follows these rules to give you accurate
results.
Tips for Getting the Best Results
Use Accurate Data: Check your EPFO passbook for exact
salary and contribution figures.
Estimate Salary Growth Wisely: Pick a realistic
growth rate (e.g., 5–10%) based on your job.
Double-Check Dates: Make sure your joining and
retirement dates are correct for an accurate service period.
Compare Calculations: Look at both the standard and
theoretical pensions to see how the salary cap affects you.
Talk to an Expert: Share the results with a financial
planner for tailored advice.
Why Fininformatory.in’s EPS Pension Calculator?
The EPS pension calculator on Fininformatory.in is
accurate, easy to use, and packed with details. Whether you’re exploring the higher
EPS pension calculator or just need a quick estimate, it’s a reliable tool
that follows the latest EPF pension rules for private employees. It’s
built to help you plan your retirement with confidence.
Frequently Asked Questions (FAQs)
1. What is the EPS Pension Calculator?
The EPS Pension
Calculator is an online tool on Fininformatory.in that estimates your
monthly pension based on your salary, contributions, and service years under
the EPS scheme.
2. How accurate is the EPS pension calculator online?
The calculator uses the official EPS pension calculator formula and 2025 EPFO guidelines, ensuring
accurate results as long as you provide correct inputs.
3. Can I calculate a higher EPS pension?
Yes, the higher EPS
pension calculator shows a theoretical pension without the ₹15,000
salary cap, useful for employees with higher salaries.
4. What inputs do I need for the new EPS pension
calculator?
You need your monthly basic + DA salary, PF and EPS
contributions, expected salary growth, and joining and retirement dates. The
tool auto-calculates contributions based on your salary.
5. What are the EPF pension rules for private employees
in 2025?
Key rules include a ₹15,000 salary cap for EPS calculations,
a minimum pension of ₹7,500, a 10-year minimum service period, and an 8.25%
interest rate on PF contributions.
6. Why does the calculator show two pension amounts?
It shows a standard pension (capped at ₹15,000) and a
theoretical pension (using your actual salary). The final pension is the higher
of the two if the theoretical amount exceeds ₹7,500, or at least ₹7,500.
7. Do I need to register to use the EPS pension calculator?
No, the EPS pension
calculator online on Fininformatory.in is free and requires no
registration.
Summary
The EPS Pension Calculator on Fininformatory.in is a must-try for private employees planning their retirement. It’s easy, accurate, and gives you a clear picture of your pension using the EPS pension calculator formula. Whether you’re curious about the higher EPS pension calculator or just want to understand the EPF pension rules for private employees, this tool has you covered. Visit Fininformatory.in today to try the new EPS pension calculator and take charge of your retirement planning!
Use our EFP Calculator - Employee Provident Fund
Read also: What’s the Minimum EPF Pension Now?
