Pension Calculator

Estimate your monthly pension income from a retirement corpus, drawn down over your expected years in retirement.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter your retirement corpus, expected return, and retirement duration to estimate your monthly pension.
₹
%
years

Your result

₹35,821.55

Estimated monthly pension

Total pension paid over retirement₹85,97,172
Total interest earned during retirement₹35,97,172

AI explanation

Formula

Uses the same amortization formula as a loan EMI, drawing your retirement corpus down to zero over your expected retirement years

Worked example

₹50L corpus, 6% return, 20 years in retirement

Worked example: ₹50L corpus, 6% return, 20 years in retirement
FieldValue
Retirement corpus5000000
Expected annual return during retirement6
Years in retirement20
Estimated monthly pension35821.55

Assumptions

  • Assumes the remaining corpus continues earning the same return rate throughout retirement.
  • Does not account for inflation eroding the purchasing power of a fixed monthly pension over a long retirement — see the Retirement Corpus Calculator for an inflation-adjusted planning approach.
  • Informational only.

Frequently asked questions

How is my pension amount calculated from a corpus?

The corpus is drawn down like a loan in reverse — you receive a fixed monthly amount that depletes both principal and accumulated interest, reaching zero at the end of your chosen retirement period.

Does this account for inflation?

No — the monthly pension shown stays fixed in nominal terms, so its real purchasing power declines over a long retirement due to inflation. The Retirement Corpus Calculator addresses this by working backward from an inflation-adjusted expense target.

What if I want the corpus to last indefinitely instead of depleting?

For a perpetual (never-depleting) pension, you'd withdraw only the interest each year rather than drawing down principal — that would give a lower monthly amount than shown here, but with no end date.

Related calculators

Retirement Corpus CalculatorAnnuity Payout Calculator

Sources

  • National Pension System — Pension Fund Regulatory and Development Authority (PFRDA). Effective 01-01-2004, reviewed 13-09-2026.

This calculator provides a general estimate only and does not constitute financial or retirement planning advice.

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