8th CPC Pension Calculator & Rules
8th CPC Pension Calculator
The 8th Pay Commission will also revise the pension and Dearness Relief (DR) for central government pensioners and family pensioners. This calculator projects your revised pension under different fitment factor scenarios.
How 8th CPC pension is calculated
Normal pension
Pension = 50% of last drawn basic pay (after fitment factor)
Family pension
Family Pension = 30% of last drawn basic pay (after fitment factor)
Dearness Relief (DR)
- DR is payable on the pension amount
- On 8th CPC implementation, DR resets to 0% on the new (higher) pension
- DR then increases periodically as per government DA/DR announcements
Example: Current vs projected pension
| Scenario | Current Basic | Current Pension (50%) | Fitment | New Basic | New Pension (50%) | Monthly Increase |
|---|---|---|---|---|---|---|
| Level 7 retiree | ₹44,900 | ₹22,450 | 1.92x | ₹86,208 | ₹43,100 | ₹20,650 |
Key pension rules
- Minimum pension is typically 50% of minimum basic pay
- Family pension is typically 30% of last drawn basic
- Commutation (lump sum against pension) may continue at 40%
- DR is revised along with DA for employees
- Arrears may be paid from the notional effective date
Use the calculator above to enter your last drawn basic pay or current pension, select fitment factor, and see your projected 8th CPC pension.
Formula
**Current Pension = Last Drawn Basic Pay × 0.50** **Projected New Basic = Current Last Drawn Basic × Fitment Factor** **Projected Pension = New Basic × 0.50** **Projected Family Pension = New Basic × 0.30** **DR = Pension × Current DR % (resets to 0% on 8th CPC implementation, then increases)** **Monthly Increase = Projected Pension - Current Pension**
Example
**Example: Pensioner with last drawn basic ₹56,100 (Level 10)** Current pension (50%): ₹28,050 At 1.92x fitment: - New basic: ₹1,07,712 - New pension: ₹53,856 - Monthly increase: ₹25,806 At 2.57x fitment: - New basic: ₹1,44,177 - New pension: ₹72,088 - Monthly increase: ₹44,038 DR will reset to 0% initially and then grow on the higher pension.
How to Use
- Enter your last drawn basic pay or current pension basic
- Select a projected fitment factor
- Choose normal pension (50%) or family pension (30%)
- Click Calculate to see projected monthly pension
- Compare different fitment factor scenarios
Frequently Asked Questions
Will pensioners get 8th CPC benefits?
Yes. Central government pensioners and family pensioners are covered. State pensioners may benefit later when states adopt the new pay structure.
What is the current DR rate?
DR for pensioners typically matches the DA rate for employees. As of January 2026, this is reported as 60%, but you should verify with the latest government order.
How is family pension calculated?
Family pension is usually 30% of the last drawn basic pay (after applying the fitment factor).
Can I commute my pension after 8th CPC?
Commutation rules are expected to continue, but the exact percentage (currently 40% for 15 years) will be in the final 8th CPC report.
When will 8th CPC pension arrears be paid?
Arrears are paid only after the government announces implementation with a notional effective date. The amount depends on the fitment factor, the delay period, and the DR rate.
What is the minimum 8th CPC pension?
It will be 50% of the minimum basic pay. At 1.92x, if minimum basic is ₹34,560, minimum pension would be ₹17,280.