Pension Calculator
Estimate your retirement corpus and monthly pension from regular contributions
Monthly Contribution (₹)
₹
Years to Retirement
yr
Expected Annual Return (%)
%
NPS equity: ~12% · Balanced: ~10% · Debt: ~7%
Expected Inflation (%)
%
Annual Withdrawal Rate (%)
%
4% rule — sustainable for ~30 years
Retirement Projections
Retirement Corpus
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Monthly Pension
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Inflation-Adjusted Corpus
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Real Monthly Pension
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Total Invested
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Wealth Created
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Returns Multiple
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Planning Your Pension
Pension planning works best through consistent monthly contributions compounded over decades. The National Pension System (NPS) offers tax benefits under Section 80C and 80CCD. Employer contributions in EPF are also a key retirement savings vehicle in India.
The 4% rule (safe withdrawal rate) suggests you can withdraw 4% of your corpus annually and sustain it for 30+ years. Inflation adjustment is crucial — ₹1 lakh today will need ~₹3.2 lakh in 20 years at 6% inflation. Always plan using real (inflation-adjusted) returns.
lightbulb Example
₹5,000/month for 25 years at 10%:
1Total invested: ₹15 lakhs
2Corpus: ~₹1.97 crores
✓ Monthly pension ~₹65,600 (at 4% rule)