United Pension scheme calculator

UPS Pension Calculator

Plan your retirement with India's most accurate Unified Pension Scheme calculator

Calculate Your Pension

Fill in your details to get an accurate estimate of your UPS pension benefits

Current Age

Planned Retirement Age

Current Annual Salary (₹)

Expected Annual Salary Growth (%)

Monthly Contribution (%)

Employer Match (%)

Expected Investment Return (%)

Expected Inflation Rate (%)

Your Pension Estimate

Based on your inputs, here's your projected pension:

Years Until Retirement

30

Total Contributions

₹1,20,00,000

Projected Corpus at Retirement

₹5,78,42,000

Monthly Pension (Annuity)

₹3,85,613

Annual Pension

₹46,27,356

Pension Replacement Ratio

62%

Percentage of final salary replaced by pension

Inflation-Adjusted Pension Value

₹1,45,000

Equivalent purchasing power today

Pension Duration

25 years

Until age 85

Why Use Our UPS Calculator?

Our Unified Pension Scheme calculator is the most comprehensive tool available in India, helping you plan your retirement with precision. Unlike basic calculators, we account for:

Salary Growth Projections

We factor in your expected career progression and salary increases over time for more accurate projections.

Inflation Adjustment

See the real purchasing power of your future pension in today's rupees to better understand your retirement lifestyle.

Employer Contributions

Properly account for employer matching contributions which can significantly boost your retirement corpus.

Tax Implications

Our calculations consider current tax laws on contributions, growth, and withdrawals for net pension estimates.

Multiple Scenarios

Premium users can model different retirement ages, contribution rates, and investment returns.

Annuity Options

Understand how different annuity purchase options affect your monthly pension payments.

Pricing Plans

Choose the plan that fits your pension planning needs. All plans include regular updates based on changing UPS rules and tax laws.

Free

₹0

forever

• Basic pension calculations
• Single scenario modeling
• Standard investment returns
• Email support
• Annual UPS updates

Get Started

Business

₹499

per month

• All Free features
• Multiple scenario modeling
• Custom investment strategies
• Priority email & chat support
• Quarterly UPS updates
• Tax optimization suggestions
• Export to PDF/Excel

Start 14-Day Trial

Premium

₹3,999

per year (₹333/month)

• All Business features
• Unlimited scenarios
• Personalized advisor
• 24/7 priority support
• Monthly UPS updates
• Advanced tax planning
• Annuity comparison tool
• Retirement budget planner

Save 33% Annually

Privacy Policy

At UPS Calculator, we take your privacy seriously. Here's how we handle your information:

Data Collection

We collect only the information you voluntarily provide through our calculator forms. This includes financial data necessary for pension calculations but never includes personally identifiable information unless you create an account.

Data Usage

Your data is used solely for the purpose of generating pension projections. We never sell or share your information with third parties for marketing purposes. Anonymous, aggregated data may be used for improving our services.

Data Security

All data transmissions are encrypted using SSL technology. For registered users, we employ industry-standard security measures to protect your account information.

Cookies

We use minimal cookies to enhance your experience and remember your preferences. You can disable cookies in your browser settings, though some calculator features may not work properly.

Changes to Policy

We may update this policy periodically. Continued use of our calculator constitutes acceptance of the current policy.

© 2023 UPS Pension Calculator. All rights reserved.

The information provided by this calculator is for educational purposes only and should not be considered financial advice. Please consult with a qualified financial advisor for personalized retirement planning.