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UPS Calculator

Disclaimer : The UPS calculator is intended solely as an indicative tool to assist subscribers in making an informed choice. The results generated by this calculator are based on assumptions and input values chosen by the subscriber. Please note that the calculator does not guarantee any specific outcome or benefit. For detailed guidance on using the calculator, please refer to the user manual.
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Date of Birth *
18
 Yrs
Date of Joining *
Qualifying Service
0
 Yrs
My retirement age (In Years)
Enter Supperannuation age
Monthly Basic Pay as on today ₹*
Monthly Basic Pay as per the current salary structure
0
Existing NPS Tier 1 corpus as on today ₹
NPS Tier 1 corpus accumulated after joining Central Government service
0
Annual Basic Pay Growth (%)
Annual Basic pay Growth % (includes expected Annual increments, Pay commission revisions and Promotions)
Annual Dearness Allowance Growth (%)
Expected Dearness Allowance Growth (%)
My expectation of return on investment is (%)
Expected annual rate of return on investment (For knowing about past returns of different schemes, Please visit npstrust.org.in)
Final Withdrawal percentage
As per PFRDA regulation, 60% withdrawal is permitted under UPS. Increasing the percentage will proportionally reduce the monthly assured payout.
Annuity rate of (%)
Expected Joint Life without return of Purchase Price annuity rate (%) at Superannuation (In this annuity plan, payouts are constant in the retirement phase without inflation indexation)
Life Expectancy
Life expectancy based on the health and lifestyle of the subscriber
Surviving spouse`s life expectancy
Life expectancy based on the health and lifestyle of the subscriber`s spouse
Update Corpus
Total Investment
Date of Retirement
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Qualifying Service Period
Qualifying Service Period
0
Corpous at Supannuation in UPS
Corpous at Supannuation in UPS
0
Corpous at Supannuation in NPS
Corpous at Supannuation in NPS
0

UPS Payout

NPS Payout

Monthly Payout after Superannuation

Admissible Payout

Annuity Payout

0

0

(i) Lumpsum Payout at Superannuation

0

N/A

(ii) Final Withdrawal Payout at Superannuation

0

0

(iii)Total monthly payouts to subscribers in retirement phase

0

0

Aggregate expected benefits to be received by the subscriber

(i + ii + iii)

0

0

Would you like to calculate the present value of a monthly payout at superannuation?

(iv)Discounted value of monthly payout at superannuation with 4% discount rate

0

0

The total benefit at superannuation, when considering present value (i + ii + iv)

0

0

Monthly Payout after Superannuation

Lumpsum Payment

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