For PSU, Government & Corporate Employees
PSU Retirement Benefits Planner
Project your total retirement corpus across PF, VPF, Gratuity, Leave Encashment, Pension, and more — specifically designed for PSU, Government, and Large Corporate employees.
Your Benefits Profile
PSU default is 60; some roles extend up to 65-70
Drives gratuity, leave encashment & PF contributions
PSU/Govt: typically 40-55% in 2026. DA counts toward PF, gratuity & leave encashment.
Default 3.67% (the rest goes to EPS)
EPFO has declared 8.25% for FY25 — matches historical 5-yr average
Your PSU Retirement Projection
Based on Central PSU · retiring at 60
Benefits Breakdown
Contribution of each stream to your total corpus
Corpus Build-Up Over Time
Year-wise growth of PF, VPF & NPS (ex-terminal benefits)
Monthly Cashflow After Retirement
Estimated monthly income from all streams (at age 60)
Personalised Insights
Year-wise Contribution Schedule
Detailed year-by-year view of salary, contributions and corpus build-up
| Year | Age | Basic (mo) | PF Corpus | VPF Corpus | NPS Corpus | Running Total |
|---|---|---|---|---|---|---|
| Yr 1 | 41 | ₹60,000 | ₹7.10 L | ₹0 | ₹0 | ₹7.10 L |
| Yr 2 | 42 | ₹64,200 | ₹9.50 L | ₹0 | ₹0 | ₹9.50 L |
| Yr 3 | 43 | ₹68,694 | ₹12.22 L | ₹0 | ₹0 | ₹12.22 L |
| Yr 4 | 44 | ₹73,503 | ₹15.30 L | ₹0 | ₹0 | ₹15.30 L |
| Yr 5 | 45 | ₹78,648 | ₹18.79 L | ₹0 | ₹0 | ₹18.79 L |
| Yr 6 | 46 | ₹84,153 | ₹22.71 L | ₹0 | ₹0 | ₹22.71 L |
| Yr 7 | 47 | ₹90,044 | ₹27.12 L | ₹0 | ₹0 | ₹27.12 L |
| Yr 8 | 48 | ₹96,347 | ₹32.08 L | ₹0 | ₹0 | ₹32.08 L |
| Yr 9 | 49 | ₹1.03 L | ₹37.63 L | ₹0 | ₹0 | ₹37.63 L |
| Yr 10 | 50 | ₹1.10 L | ₹43.85 L | ₹0 | ₹0 | ₹43.85 L |
| Yr 11 | 51 | ₹1.18 L | ₹50.79 L | ₹0 | ₹0 | ₹50.79 L |
| Yr 12 | 52 | ₹1.26 L | ₹58.55 L | ₹0 | ₹0 | ₹58.55 L |
| Yr 13 | 53 | ₹1.35 L | ₹67.19 L | ₹0 | ₹0 | ₹67.19 L |
| Yr 14 | 54 | ₹1.45 L | ₹76.81 L | ₹0 | ₹0 | ₹76.81 L |
| Yr 15 | 55 | ₹1.55 L | ₹87.51 L | ₹0 | ₹0 | ₹87.51 L |
| Yr 16 | 56 | ₹1.66 L | ₹99.40 L | ₹0 | ₹0 | ₹99.40 L |
| Yr 17 | 57 | ₹1.77 L | ₹1.13 Cr | ₹0 | ₹0 | ₹1.13 Cr |
| Yr 18 | 58 | ₹1.90 L | ₹1.27 Cr | ₹0 | ₹0 | ₹1.27 Cr |
| Yr 19 | 59 | ₹2.03 L | ₹1.43 Cr | ₹0 | ₹0 | ₹1.43 Cr |
| Yr 20 | 60 | ₹2.17 L | ₹1.61 Cr | ₹0 | ₹0 | ₹1.61 Cr |
Supplement With a Mutual Fund SIP
Bridge the gap between your projected corpus and a truly comfortable retirement income. Enter what you'd like to spend per month in today's terms — we'll work out the top-up SIP needed at 12% expected returns.
Will be inflated @6% p.a. and funded for 25 years post-retirement
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
Adding up a PSU / government retirement package
Employees of public-sector units and government carry a set of retirement benefits that, taken together, form a substantial corpus: the Employees’ Provident Fund (or GPF), gratuity, the National Pension System, and leave encashment, among others. Because these come from different schemes with different rules, it is easy to under-estimate the total you will actually receive.
This calculator brings the main components together to estimate your retirement package and monthly income. Seeing the combined figure — and any gap versus the income you’ll need — is what lets you decide whether to supplement it with your own investing.
How this calculator works
- 1Enter your salary, years of service and contribution details.
- 2The calculator estimates EPF/GPF, gratuity, NPS and leave-encashment components.
- 3It totals them into an approximate retirement corpus and indicative income.
Frequently asked questions
What retirement benefits do PSU and government employees get?
Typically a combination of a provident fund (EPF or GPF), gratuity based on years of service and last-drawn salary, the National Pension System (for those under NPS), and leave encashment, along with any applicable pension. The exact mix depends on your organisation and joining date.
How is gratuity calculated?
For covered employees, gratuity is broadly based on your last-drawn salary and the number of years served, under a statutory formula, subject to a cap. It is payable on retirement or resignation after a minimum qualifying period. This calculator gives an estimate; confirm the exact figure with your employer.
Are these retirement benefits enough on their own?
Often they provide a solid base, but whether they fully cover your retirement depends on your expenses and how long you live. Estimating the combined corpus and comparing it with the income you’ll need shows whether to supplement it with your own investments during your working years.
Illustrative and for education only; benefit rules vary by organisation. Confirm exact entitlements with your employer.
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