Want to know your pension amount with the Unified Pension Scheme? The UPS Calculator 2025 makes it easy for government employees in India to check their pension online. No need to visit any office — just enter a few details from home to get an estimate.
Overview of the Unified Pension Scheme (UPS)
The Unified Pension Scheme is a government plan started to help government employees save and get a good pension after retirement. Announced on 24th August 2024, this scheme began from 1st April 2025. It is meant for Indian government employees who have worked for at least 10 years.
Under UPS, employees contribute a part of their salary, and after retirement, they get a pension based on their last 12 months’ average basic pay. This scheme gives financial security and a steady income for retired government workers.
Main Objectives of the UPS Calculator
The UPS Calculator is a helpful tool made to estimate your pension amount quickly and accurately. By entering your years of service and average salary, you can plan your retirement better. The government wants all employees to have a stable, respectful future with financial security.
Main Details of UPS Calculator
| Scheme Name | UPS Calculator |
| Launched By | Government of India |
| Launch Date | 24th August 2024 |
| Announced By | Prime Minister of India |
| Purpose | Investment opportunity for pension benefits |
| Beneficiaries | Indian Government Employees |
| Eligibility | Minimum 10 years government service |
| Documents Needed | Aadhaar Card, Bank Account |
| Application Process | Online |
| Contact Number | 1800-22-7171 |
How Contributions Work
- Employers contribute 18.5% of employee’s basic salary plus dearness allowance.
- Employees contribute 10% of their basic salary plus dearness allowance.
Contribution Limits
- Minimum contribution by employees is 10% of basic salary plus dearness allowance.
- No maximum limit on employee contribution.
Main Features of Unified Pension Scheme
- Secure retirement income giving a stable future.
- Easy monthly contributions from salary.
- Retirement pension equals 50% of average basic pay from last 12 months for employees with 25+ years of service.
- Employer contributes 18% of basic pay to boost the pension.
How Your UPS Pension is Calculated
- With 25 or more years of service, pension equals 50% of average last 12 months’ basic monthly pay.
- With 10 to 24 years of service, pension is adjusted proportionately.
- Minimum pension guaranteed is 7,000 per month.
Withdrawal and Maturity Details
- After retirement, employees receive a lump sum equal to 1/10th of their last monthly pay for every six months worked.
- Up to 60% of the total UPS corpus may be withdrawn as a lump sum at retirement.
Premature Closure of UPS
- If an employee dies before retirement, 60% of the pension amount is paid to their family.
Using the UPS Calculator 2025
Calculating your pension with the UPS Calculator is simple:
- Go to the official UPS Calculator website.
- Enter your average monthly basic pay during your last 12 months of service.
- Input your total years of government service.
- Select the type of pension you want to estimate – either personal pension or family pension.
- Click calculate to see your expected monthly pension amount.
Main Features of UPS Calculator Online
- Available for all government employees covered under UPS.
- Instant, mistake-free pension estimation.
- Easy to use from anywhere without paperwork.
- Helps in retirement planning and financial decisions.
Main Benefits of Using the Unified Pension Scheme Calculator
- Quickly check your pension amount without any hassle.
- Official, professional calculations you can trust.
- Plan your future finances better knowing your pension returns.
- Minimum pension guarantee ensures a comfortable life after retirement.
Contact Information for UPS Support
- Helpline Number: 1800-22-7171
Frequently Asked Questions
How much does the government contribute under UPS?
The government contributes 18.5% of the employee’s basic salary plus dearness allowance.
Who can benefit from the UPS scheme?
Only Indian government employees who meet the eligibility criteria.
What percentage do employees pay themselves?
Employees contribute 10% of their basic salary plus dearness allowance.
Make sure to use the UPS Calculator 2025 to check how much pension you can expect. This tool will help you plan your retirement confidently and secure your future.