Retirement & Pension Calculators
Calculate annuity, annuity payout and EPF and other retirement & pension calculations.
Retirement planning comes down to two questions asked in order: how much you will need, and whether your savings are on track to get there. These calculators cover both, plus the retirement accounts most salaried Indians already have — EPF and NPS — and what a corpus can pay out once you stop working.
Which Retirement & Pension calculator do you need?
- How big a corpus will I need?Retirement Corpus CalculatorInflates today's monthly expenses to your retirement year and sizes the corpus to fund them.
- Will my current savings and contributions get me there?Retirement CalculatorGrows your existing savings and ongoing monthly contributions to retirement.
- What will my EPF balance be at retirement?EPF CalculatorProjects employee and employer EPF contributions month by month, with salary increments.
- What will my NPS corpus and pension look like?NPS CalculatorProjects the corpus and splits it between the annuity portion and the lump sum.
- How much can I draw each month from a lump sum?Annuity Payout CalculatorDraws a corpus down to zero over the number of years you choose.
All Retirement & Pension Calculators
Work out the target before the monthly amount
It is tempting to start with "how much can I save", but the corpus calculator gives the number that every other tool should be aiming at. Once you have it, the Retirement SIP and SIP Goal calculators turn it into a monthly amount, and the EPF and NPS projections show how much of it your existing accounts already cover.
A drawdown is not a lifetime pension
The payout calculators spread a corpus evenly over a fixed number of years and assume it keeps earning the rate you enter. An annuity bought from an insurer instead pays for life at the rate it offers, and a government pension follows its own rules — so use each tool for the question it actually answers.
Limitations
- Projections assume constant returns, salary growth and inflation; real values will differ.
- EPF and NPS rules and rates are set by EPFO and PFRDA and can change.
Retirement & Pension Guides
Closing the Gap Between Your Projected and Required Retirement Corpus
Comparing what you're on track to save against what you'll actually need reveals a real shortfall — and a goal-based SIP calculation, using that exact gap as its target, shows the additional monthly investment needed to close it.
Read guideEPF vs NPS vs PPF: Comparing India's Three Big Retirement Savings Options
EPF is mandatory and employer-matched with a government-set 8.25% rate, NPS is voluntary and market-linked with the highest long-run growth potential but a locked-in annuity requirement, and PPF is voluntary and fully guaranteed with tax-free (EEE) returns — they solve different problems, so most salaried savers end up using more than one rather than picking just one.
Read guideHow an NPS Retirement Corpus and Pension Are Calculated
NPS grows monthly contributions into a retirement corpus, then splits it by rule into an annuity that funds a pension and a lump sum you can withdraw.
Read guideHow Much Retirement Corpus You Actually Need
The corpus you need for retirement is sized backward from your desired monthly expense — inflated forward to your retirement date, then converted into a lump sum using the real (inflation-adjusted) rate of return over your expected retirement years.
Read guideHow NPS Adds an Extra Tax-Saving Slab on Top of Section 80C
Running the same tax-saving formula twice — once for the ₹1.5 lakh Section 80C limit and once for an additional ₹50,000 NPS contribution — gives the real combined tax saved.
Read guide