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OPS vs NPS Pension Comparison Calculator India

Compare a salary-linked OPS planning scenario with a corpus-and-annuity NPS pension scenario.

Written and reviewed by RupeeKit Editorial TeamLast reviewed 8 August 2026Report a correction
Illustration of a forked road leading to a government pension building on one side and a rising NPS corpus chart on the other
Illustration of a forked road leading to a government pension building on one side and a rising NPS corpus chart on the other

Educational estimate only

Results can vary based on company policy, lender terms, tax law, and personal assumptions.

See the Source and methodology section below for details.

Enter your values

Estimated results

Indicative OPS monthly pension

₹50,000

NPS corpus used for annuity

₹40,00,000

Illustrative NPS monthly annuity

₹21,667

Corpus not used for annuity

₹60,00,000

This calculator gives an educational estimate. Verify final numbers with your payslip, lender, tax advisor or official source.

Result visual

Relative view of your key outputs. Exact values are listed with each bar.

Inputs used in this result
Last drawn eligible salary
1,00,000 ₹/month
OPS pension percentage assumption
50 %
Qualifying service
30 years
Estimated NPS corpus at exit
1,00,00,000 ₹
Corpus used for annuity
40 %
Illustrative annuity rate
6.5 % p.a.

Share/print output contains user-entered values and educational estimates only. Verify important decisions with the relevant official source or professional.

💡 Educational Estimates Only

This visual breakdown and compounding model is for educational understanding only. Actual outcomes can vary depending on interest accrual dates, taxation brackets, processing fees, and individual employer/lender terms.

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OPS vs NPS Pension Comparison Calculator India Quick Answer

Quick Answer

How does the OPS vs NPS Pension Comparison Calculator India work? It estimates Indicative OPS monthly pension, NPS corpus used for annuity, and Illustrative NPS monthly annuity from inputs such as Last drawn eligible salary, OPS pension percentage assumption, and Qualifying service using the formula shown on this page.

Formula

OPS is modelled as the user-entered pension percentage of last drawn eligible salary.

Example

At ₹1 lakh eligible salary with a 50% OPS assumption, the scenario pension is ₹50,000 a month.

Educational estimate only. RupeeKit does not provide personalized financial, tax, legal, investment, or loan advice.

Answer Engine Summary

This calculator estimates Indicative OPS monthly pension, NPS corpus used for annuity, Illustrative NPS monthly annuity, and Corpus not used for annuity using Last drawn eligible salary, OPS pension percentage assumption, Qualifying service, and Estimated NPS corpus at exit. OPS is modelled as the user-entered pension percentage of last drawn eligible salary. Results are educational estimates only and should be verified with official records, lender statements, payroll data, or filing utilities where applicable.

Formula used

OPS is modelled as the user-entered pension percentage of last drawn eligible salary. NPS pension is modelled as the chosen annuity share of the entered corpus multiplied by an illustrative annual annuity rate and divided by 12. This is a comparison scenario, not an entitlement calculation.

Example calculation

At ₹1 lakh eligible salary with a 50% OPS assumption, the scenario pension is ₹50,000 a month. A ₹1 crore NPS corpus with 40% annuitised at 6.5% gives an illustrative annuity near ₹21,667 a month, with the balance outside that annuity calculation.

Source and methodology

Last reviewed: August 2026

This calculator uses the formula and assumptions described on this page. OPS is modelled as the user-entered pension percentage of last drawn eligible salary. Values are calculated in-browser from user-entered inputs and are not saved by default. Verify tax, regulatory, lender, scheme or product rules with the relevant official source where applicable.

Educational estimate only. RupeeKit does not provide personalized financial, investment, legal, tax or loan advice.

Related calculators and guides

You can cross-check this estimate using: salary in-hand calculator, Old vs New Tax Regime Calculator, 80C deduction calculator, EMI calculator, ITR-2 filing guide, emergency fund guide.

When this tool is useful

  • When you want a fast estimate before making a financial or salary decision.
  • When you want to compare different assumptions in seconds.
  • When you want to understand the formula behind the result.

Calculator Facts

TopicRupeeKit explanation
Calculation typeFormula-based educational estimate from user-entered values
Key inputsLast drawn eligible salary, OPS pension percentage assumption, and Qualifying service
Primary outputsIndicative OPS monthly pension, NPS corpus used for annuity, and Illustrative NPS monthly annuity
Method referenceOPS is modelled as the user-entered pension percentage of last drawn eligible salary.
PrivacyValues are processed in the browser and are not saved by default.

FAQs

Does this calculator tell me which pension system is better?

No. It compares user-entered scenarios. Eligibility, indexation, family benefits, tax, annuity options and applicable service rules can materially change the comparison.

Is the NPS annuity rate guaranteed?

No. The annuity rate here is an input for planning. Actual rates and payout options depend on the annuity provider and the option selected at exit.