The pension estimate follows the standard public-service formula: (pensionable basic salary × months of service) ÷ 480, capped at 90% of the basic. Dividing by 480 reflects 40 years of service; the 90% cap means about 36 years of service reaches the maximum pension.

Example: Rs 60,000 basic with 20 years of service → 240 months ÷ 480 = 50% → Rs 30,000 per month — exactly what the tool shows.

Officers appointed on or after 1 July 2020 are in the contributory scheme: 8% of basic is deducted from salary and the Government contributes 16%. Earlier appointees are in the non-contributory (defined-benefit) scheme — no deduction, pension funded by the budget.

W&OP (Widows' & Orphans' Pension) contributions apply to relevant categories and fund survivor pensions; the tool lets you enter the percentage if it applies to you.

Pension is calculated on the basic salary only — allowances, COLA and overtime are not pensionable. During the Circular 10/2025 transition, the pension base follows the phased basic actually paid, so the estimate rises in January 2027 when the salary reaches 100%.