8th Pay Commission Pension Calculator
| New 8th CPC Basic | – |
| DR Amount | – |
| Age-based Extra | – |
| Commutation (40%) | – |
| Lump Sum Value | – |
8th Pay Commission Pension Calculator: Check Your Expected Monthly Pension & Benefits
If you are a retired central government employee, the 8th Pay Commission could bring some great news for you. Our 8th Pay Commission Pension Calculator will help you understand how much your monthly pension and take-home amount will increase under the new recommendations.
This tool has been specially designed so you can easily find out your expected 8th Pay Commission pension benefits without any complex calculations.
Who is this calculator for?
This calculator is best for the following people:
- Central Government Retirees: Those currently receiving a pension according to the 7th CPC.
- Family Pensioners: Those who want to plan their future finances using the 8th Pay Commission Family Pension Calculator.
- Defense Personnel: Retired army, navy, and air force officers.
- Future Retirees: Those who will retire after 2026 and want to view it from the perspective of ‘8th pay commission pension calculator for central government employees’.
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Total Time: 2 Minutes, Cost: Free
How to Use the 8th Pay Commission Pension Calculator? (Step-by-Step Guide)
Using our calculator is very simple. To find your expected pension, please follow all the steps given below correctly:
Step 1: Enter Current Basic Pension
First, enter your current basic pension in the 7th CPC Basic Pension box. Please note, you should only enter the ‘Basic’ amount here, not the amount including Dearness Relief (DR). You can check this on your PPO (Pension Payment Order).
Step 2: Select the Fitment Factor
The fitment factor is the main multiplier that will increase your pension.
If you want to see the normal calculation, leave 2.81 (Expected) selected.
If you want to see the minimum increase, select 2.57.
For the maximum demand, you can also check the 3.68 option.
Step 3: Enter Expected DR % (8th CPC)
At the time of a new pay commission, Dearness Relief (DR) can be reset to zero or set to a specific %. If you think there will be 0% or 5% DR at the start of the 8th CPC, enter that value here.
Step 4: Enter Your Age
Here, pensioners receive an extra pension based on their age, as follows.
-Under 80 years: You will receive the normal pension.
-80-100 years: As you age, you receive an ‘Additional Pension’ of 20% to 100%, which our calculator automatically calculates.
Step 5: Check the Medical Allowance (FMA)
If you do not avail of the CGHS facility and receive a Fixed Medical Allowance of ₹1,000 or ₹2,000, be sure to click the checkbox for ‘Fixed Medical Allowance (FMA)’.
Step 6: Click the Calculate Button
After filling in all the details, press the ‘Calculate’ button. A detailed table will appear showing you:
-Your New Basic Pension after the upcoming update.
-Your monthly cash (take-home) amount.
-And the amount that will be deducted if you commute for your pension.
Formula and Calculation Logic
In the 8th Pay Commission, the basic calculation of pension depends on the fitment factor. The standard formula is as follows:
- New Basic Pension = 7th CPC Basic Pension × Fitment Factor
Example:
Suppose your current basic pension is ₹45,000 and the expected fitment factor is 2.81, then the calculation will be as follows:
- New Basic: 45,000 × 2.81 = ₹126,450
- Monthly Take-Home: The Dearness Relief (DR) and Medical Allowance are added, and the commutation amount is deducted.
Expected Pension Comparison Table for the 8th Pay Commission
From the table below, you can get an idea of how much the difference will be at different basic pay levels based on the 8th Pay Commission salary hike and pension calculator, calculated using a fitment factor of 2.81:
| Current Basic Pension (7th CPC) | Expected Basic Pension (8th CPC) | Estimated Monthly Hike |
| ₹25,000 | ₹70,250 | ~₹45,250 |
| ₹40,000 | ₹1,12,400 | ~₹72,400 |
| ₹55,000 | ₹1,54,550 | ~₹99,550 |
| ₹75,000 | ₹2,10,750 | ~₹1,35,750 |
Pro-Tips & Common Mistakes
- Keep an Eye on the Fitment Factor: The government can decide on a fitment factor ranging from 2.57 to 3.68. Always check the calculation at the middle ground (2.81).
- Commutation Check: When calculating the pension, keep in mind that a 40% commutation amount is deducted if you have taken the lump sum.
- Age-Based Additional Pension: After the age of 80, an extra increment from 20% to 100% is added to the basic pension; do not ignore this at all.
Official Guidelines and Updates: For new pension-related rules, notifications, and official updates on the 8th Pay Commission, you can visit the Department of Pension & Pensioners’ Welfare (DoPPW) official website. There you will find accurate information on all the latest office memoranda and pension rates issued by the central government.
Privacy & Trust
We value your privacy. Any data you enter in this 8th Pay Commission central government Pension Calculator is not saved on our server. All calculations are performed in your browser, so you can do the calculation here without any worry.
Frequently Asked Questions
When will the 8th Pay Commission be implemented?
It is expected that the 8th Pay Commission may be implemented from January 2026, although there has not yet been any official notification from the government. People are still waiting for it.
Can Family Pensioners also benefit from this?
Yes, according to the logic of the 8th Pay Commission Family Pension Calculator, it is expected that the same fitment factor will apply to family pensions as well.
What is the role of the Fitment Factor in the pension hike?
The fitment factor is the multiplier that converts your old pension into the new pension. The higher the factor, the bigger the hike.
How accurate is the 8th Pay Commission pension calculator for central government employees?
This calculator is based on expected figures and expert predictions. It may change slightly once official data is released.
Disclaimer: This calculator is designed only to provide an estimate based on current media reports and expert predictions. The official rules and fitment factors of the 8th Pay Commission will be determined by the government. Please consult the official government notification or your pension disbursing bank before making any major financial decisions.