State Age Pension calculator (Unofficial estimate)

From 1 January 2027, the State Age Pension (SAP) replaces the Basic Retirement Pension. What you receive depends on the age you start drawing it and on your monthly income. Estimate yours below.

Who is drawing a pension?

Estimated monthly pension

Rs 16,555

per month

How the SAP is calculated

The standard SAP at age 65 is Rs 16,555 per month before any means test.

  • Starting early or late. You can start anytime from 60 to 70. Taking it before 65 cuts the pension by 0.5% per month (6%/year); deferring after 65 raises it by 0.75% per month (9%/year), for life.
  • Means test. The full SAP is paid if your monthly income is up to Rs 14,000. Above that, the pension drops by 50 cents for every rupee of extra income. A floor of Rs 1,000 is paid up to an income of Rs 50,000; above Rs 50,000 nothing is paid.
  • Couples. When both spouses draw the SAP, each is means-tested individually, the combined amount is reduced by half of the combined income (capped at 25%), and the result is then shared between them in proportion to each one's own SAP.
  • Age top-ups. The base SAP also rises with age — by Rs 1,500 at 75, Rs 7,995 at 90 and Rs 5,185 at 100. These are not included in the estimate above.

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