Pension & Annuity Planner
Accumulation Phase
Your Current Age
25 Yrs
Monthly Contribution
₹25,000
Expected Return (p.a %)
12%
Payout Phase
Annuity Purchase (%)
40%
Annuity Rate (p.a %)
8%
Retirement Corpus₹16,23,81,727
Invested
Wealth Gained
Est. Monthly Pension₹4,33,018
Total Maturity Corpus₹16,23,81,727
Annuity Purchase (40%)₹6,49,52,691
Accumulation Period35 Years
Target Age60 Years
How is Pension Calculated?
A pension plan typically has two phases: Accumulation (where you save) and Annuity (where you get paid back).
Statutory EPS Formula
Monthly Pension = (Avg. Salary × Service) / 70
*Used for the Employee Pension Scheme (EPS) in India.
Annuity Purchase
Upon retirement, you typically use a portion of your corpus to buy an Annuity. This ensures a guaranteed monthly income for the rest of your life or a fixed period.