Retirement & Wealth Planning

Pension Calculator

Estimate the monthly pension income you can draw from a corpus using a typical annuity rate.

About the calculator

What is the Pension Calculator?

The Pension Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • Pension
    Monthly Pension = (Corpus × Annuity Rate %) / 12

Why use the Pension Calculator?

Financial planning works only when it's specific. The Pension Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

The yearly payout percentage from a corpus, typically 5–8% in India.
Around 6–7% via PFRDA-empanelled insurers — depends on age & plan.
Yes — added to your slab income.
Partially — under NPS, 60% lumpsum, 40% annuity is mandatory.
SWP from mutual funds may give higher returns but more risk; annuity provides guaranteed income.
Depends on the annuity plan — return-of-purchase-price plans give corpus back to nominee.

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