Retirement Benefits Calculator 2026

Unified Retirement Benefits Calculator 2026

Calculate Gratuity, Leave Encashment, Pension Commutation and Estimated Total Retirement Fund.

1. Employee Details

Last Basic Pay (₹)

DA Percentage (%)

Date of Joining

Date of Retirement

Earned Leave Balance (Days)

Illustrative maximum assumed: 300 days.

Commutation Factor

Enter the factor applicable to your age and pension rules.

2. Your Retirement Benefits

Last Basic Pay ₹0

Basic Pay + DA (Emoluments) ₹0

Qualifying Service (Approx.) -

Retirement Gratuity (Estimate) ₹0

Eligible Leave Days Used 0

Leave Encashment (Estimate) ₹0

Estimated Monthly Basic Pension ₹0

Commuted Pension (40%) ₹0

Commutation Factor Used -

Pension Commutation Lump Sum ₹0

Estimated Total One-Time Retirement Fund

₹0

Gratuity + Leave Encashment + Commutation Lump Sum

Monthly pension is displayed separately and is not included in the one-time retirement fund total. The figures are indicative estimates based on the assumptions used by this calculator.

3. About Unified Retirement Benefits Calculator

The GPFSaathi Unified Retirement Benefits Calculator helps employees estimate important retirement benefits in one place. It combines retirement gratuity, earned leave encashment and pension commutation calculations to provide an indicative one-time retirement fund estimate.

Calculation Formula

Emoluments: Basic Pay + applicable DA.

Gratuity: Emoluments × 1/4 × completed six-month periods, subject to the assumed qualifying service and cap.

Leave Encashment: Emoluments ÷ 30 × eligible leave days.

Basic Pension: Last Basic Pay × 50% (illustrative assumption).

Commuted Pension: Basic Pension × 40% (illustrative assumption).

Commutation Lump Sum: Commuted Pension × Factor × 12.

Total One-Time Fund: Gratuity + Leave Encashment + Commutation Lump Sum.

Frequently Asked Questions

1. What is included in the total retirement fund?

The estimated gratuity, earned leave encashment and pension commutation lump sum are included in the total.

2. Is monthly pension included in the total amount?

No. Monthly pension is a recurring benefit, so it is shown separately from the one-time retirement fund.

3. How is retirement gratuity calculated?

The illustrative formula uses one-fourth of emoluments for each completed six-month period of qualifying service, subject to applicable eligibility conditions and limits.

4. What is the commutation factor?

The commutation factor is an age-related multiplier used to estimate the lump sum payable against the commuted portion of pension. Enter the factor applicable to your pension rules.

5. Is this calculator applicable to every government employee?

No. Pension, gratuity and leave encashment rules can differ by government, department, service category and pension scheme. Verify the applicable rules before relying on an estimate.

6. Can I save my retirement calculation?

Yes. Use the Print / Save PDF option to print or save the displayed result as a PDF.

Important Disclaimer: This calculator provides indicative estimates only and does not determine any employee's legal entitlement. Gratuity limits, qualifying service, leave encashment rules, pension percentage, commutation percentage, factor and DA treatment must be verified against applicable government orders and department records.

Final nirnay se pehle apne vibhag ke niyam, aadesh aur lekha karyalay ka record dekhein. Ye portal Government of India se judi nahi hai.