Government Schemes APIWeb Calculator UI
Free UPS vs NPS Pension Calculator API (2026)
Applies the PFRDA UPS payout formula (½ × average last-12-month basic × Q/300, ₹10,000 minimum) and lump sum, builds both corpora month by month at 20% and 24% of basic + DA, and returns year-by-year retirement income.
Interactive API Playground & Live Test
GET
/api/v1/ups-vs-npsQuery Parameters
Current monthly basic pay in ₹
Qualifying service completed, in years
Years left to superannuation
Average DA / DR % (default: 30)
Basic pay growth % per year (default: 7)
Current NPS corpus in ₹ (default: 500000)
Expected annual return % (default: 9)
NPS annuity rate % (default: 6.5)
NPS corpus annuitised, 40–100% (default: 40)
UPS corpus withdrawn, 0–60% (default: 0)
Inflation after retirement %, which DR follows (default: 4)
Years of retirement to project (default: 25)
curl -X GET "https://fincalculator.in/api/v1/ups-vs-nps?basicPay=56100&serviceYears=5&yearsToRetirement=25&daPercent=30&payGrowth=7&corpus=500000&returnRate=9&annuityRate=6.5&annuityShare=40&withdrawal=0&drIncrease=4&payoutYears=25" \
-H "Accept: application/json"Live JSON Response (HTTP 200 OK)
Click "Execute Live API Request" below...Request Parameters Schema
| Parameter | Type | Required | Description / Notes |
|---|---|---|---|
| basicPay | number | Required | Current monthly basic pay in ₹ |
| serviceYears | number | Required | Qualifying service completed, in years |
| yearsToRetirement | number | Required | Years left to superannuation |
| daPercent | number | Optional | Average DA / DR % (default: 30) |
| payGrowth | number | Optional | Basic pay growth % per year (default: 7) |
| corpus | number | Optional | Current NPS corpus in ₹ (default: 500000) |
| returnRate | number | Optional | Expected annual return % (default: 9) |
| annuityRate | number | Optional | NPS annuity rate % (default: 6.5) |
| annuityShare | number | Optional | NPS corpus annuitised, 40–100% (default: 40) |
| withdrawal | number | Optional | UPS corpus withdrawn, 0–60% (default: 0) |
| drIncrease | number | Optional | Inflation after retirement %, which DR follows (default: 4) |
| payoutYears | number | Optional | Years of retirement to project (default: 25) |
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Frequently Asked Questions (FAQs)
Is the Free UPS vs NPS Pension Calculator API free to use in production apps?
Yes! All FinCalculator REST APIs are completely free, zero-auth, open-CORS, and edge-cached for high performance across global web and mobile applications.
What is the rate limit for /api/v1/ups-vs-nps?
Endpoints are cached at the edge for 24 hours. There are no restrictive rate limits for standard web traffic and mobile applications.