Last Updated: October 29, 2025
Calculate your future salary progression with upcoming pay commissions and plan your retirement with NPS & UPS benefits comparison
See detailed progression through multiple pay commissions
Compare retirement benefits under both schemes
Calculate anywhere, anytime on any device
This calculator has been developed with the advisory input of over 100 serving and retired central government employees, all of whom have witnessed the implementation of at least two Pay Commissions. The credentials of this expert panel can be reviewed on the official About Page."
How it works: Enter your retirement year above, and only the relevant pay commission fitment factors will appear below. These factors determine your salary increase when a new pay commission is implemented.
💡 Tip: The fitment factor is the multiplier applied to your basic pay when a new pay commission is implemented. The 7th CPC used a factor of 2.57. Most experts expect future commissions to use a factor between 2.0 and 2.5.
Expected implementation: January 2026
Expected implementation: January 2036
Expected implementation: January 2046
Expected implementation: January 2056
₹0
₹0
₹0
| Year | Pay Commission | Basic Pay | DA % | DA Amount | HRA Amount | Gross Salary |
|---|
Enter 0 if starting fresh
Range: 8-12% typical
Range: 5-7% typical
Min 10 years for pension/gratuity
💡 Note: This calculator compares NPS (National Pension System) and UPS (Unified Pension Scheme) benefits based on your salary progression above.
* NPS contributions: 24% of salary (10% employee + 14% government)
✓ Benefits: Government guaranteed, inflation-indexed (Dearness Relief), minimum ₹10,000/month, no market risk, assured family pension
| Benefit | NPS | UPS | Winner |
|---|---|---|---|
| Monthly Pension | - | - | - |
| Lump Sum | - | - | - |
| Inflation Protection | ✗ No | ✓ Yes (DR) | UPS |
| Market Risk | Yes | No | UPS |
| 20-Yr Total Value | - | - | - |
⏱️ Breakeven: - years after retirement
Time needed for UPS's higher pension to compensate for NPS's higher lump sum
Disclaimer: Estimates based on current policies. Actual benefits may vary.