Government Pension Estimator
Retirement planning starts with knowing your numbers. Enter your last basic pay and qualifying service to estimate gross pension, the commutation lump sum and your monthly net pension — every formula percentage is editable.
Gross Monthly Pension
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Net Monthly Pension (after commutation)
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Commuted Portion (monthly)
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Commutation Lump Sum
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How to use
- Enter the last basic pay (without allowances).
- Enter qualifying service years — the formula counts a maximum of 30 years.
- Enter the commutation percentage and the factor from your age table (both are editable).
- See gross pension, monthly pension after commutation, and the lump sum.
Note
Standard formula: gross pension = last basic pay × service years × 7 / 300. The commutation factor comes from the official table for your age, and rules change over time. Rates change — verify with the official source before relying on this. Confirm the final calculation with the AG / treasury office.
Tips
- The formula counts a maximum of 30 qualifying years — extra service beyond that does not raise the pension.
- Commutation gives cash now but reduces the monthly pension; model both choices before deciding.
- Pension rules change over time — confirm the final figures with the AG or treasury office before relying on them.
- Use last basic pay without allowances; allowances are handled separately in the increases field.