NPS vs OPS / EPS ComparatorFY 2026-27
Detailed comparison of National Pension System (NPS) against Old Pension Scheme (OPS) for government employees, with EPS pension calculation.
Quick Summary: NPS vs OPS / EPS Comparator
The NPS vs OPS Comparator helps government employees evaluate the shift from market-linked pensions to assured benefits. Under the new Unified Pension Scheme (UPS) effective from April 2025, employees are promised 50% of their last 12 months' average basic pay as pension, combining the security of OPS with the funding structure of NPS in FY 2026-27.
How to use the NPS vs OPS / EPS Comparator
- 1
Enter Basic Pay
Input your current basic salary and Dearness Allowance (DA).
- 2
Set Service Years
Enter your total expected years in government service.
- 3
Review OPS Pension
Calculate the guaranteed 50% of last pay pension and periodic DA hikes.
- 4
Compare NPS Corpus
Estimate the market-linked maturity corpus and the resulting monthly annuity.
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Regulatory Disclaimer · FY 2026-27
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.