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UPS vs NPS calculator
Enter your basic pay today and expected service. The calculator projects your pay at retirement and compares UPS's assured payout with what an NPS corpus could buy.
Fill in the form to see the result.
The trade-off
UPS gives certainty: a payout tied to your last salary that rises with Dearness Relief for life, a 60% family payout, and a modest lump sum. NPS gives you ownership of a corpus: up to 60% can be taken tax-free at 60, and the rest buys an annuity whose amount is fixed and does not rise with inflation.
UPS tends to win for employees with long service, steady promotions and a family that depends on the pension. NPS can win for those with shorter service, high expected returns, or a need for a large lump sum. Because DR keeps raising the UPS payout over 20 to 30 years of retirement, compare the totals over time, not only the first month. Read UPS vs NPS explained.
More calculators
- Central government pension calculatorPension, commutation and DR at retirement
- Gratuity calculatorGovernment DCRG and private sector gratuity
- Leave encashment calculatorCash for earned leave at retirement
- NPS calculatorCorpus, lump sum and annuity pension
- Unified Pension Scheme (UPS) calculatorAssured payout and lump sum under UPS
Guides
- Pension commutation explainedSwap up to 40% of pension for a lump sum: formula and factor table
- Family pension for central government employeesNormal and enhanced rates, who gets it and how it is taxed
- Additional pension at age 80 and aboveExtra 20% to 100% of basic pension from age 80
- Leave encashment explainedHow unused earned leave turns into cash, and how it is taxed
- UPS vs NPS: how the two pension options compareAssured payout or market-linked corpus: a side-by-side comparison
- Old pension scheme vs NPSDefined-benefit pension against a market-linked corpus
Frequently asked questions
Can I switch back from UPS to NPS?
The government allowed a one-time switch from UPS back to NPS under conditions (at least a year before superannuation or three months before voluntary retirement). Once switched back, you cannot return to UPS.