UPS vs NPS Calculator 2026 – Compare Pension Schemes Side by Side
Compare the assured pension under the Unified Pension Scheme (UPS) against the market-linked National Pension System (NPS), side by side
This tool is for comparing two pension schemes against each other: the assured, DA-linked pension under the Unified Pension Scheme (UPS) versus the market-linked corpus under the National Pension System (NPS). If you just want to estimate your own NPS corpus and pension on their own, without the comparison, use the standalone NPS Calculator instead.
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UPS (Assured)
NPS (Market-Linked)
Better Monthly Pension
NPS @ 10% by ₹12,286/mo
NPS lump sum is higher but pension depends on market returns
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Frequently Asked Questions
UPS is a new pension option effective from April 1, 2025. It guarantees 50% of last 12-month average basic pay as pension (for ≥25 years of service), unlike market-linked NPS.
Under UPS, the government contributes 18.5% of Basic+DA (vs 14% in NPS). Employee contributes 10%, same as NPS.
Yes. Employees who joined after January 2004 and are currently under NPS can opt for UPS. Once opted, the switch is irrevocable.
Family pension under UPS is 60% of the employee's assured pension amount, payable to the spouse for life. A lump sum of 1/10th of monthly emoluments per 6-month period of service is also payable.