India · INR · Pension guide
Separate retirement corpus from regular pension income. Enter confirmed EPS, annuity or other pension estimates and explore what the remaining accessible savings can fund in rupees.
Open the calculatorIt compares spending, manually entered pensions and accessible savings in INR, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
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EPFO provides an EPS pension calculator with its own coverage conditions. NPS withdrawal and retirement-income choices follow separate rules and current circulars. Use the applicable official estimate or provider quotation; this tool does not turn an EPF or NPS balance into an entitlement.
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If part of a corpus buys an annuity, enter its expected net payment as income and exclude that purchase price from the savings balance. Include only capital genuinely available for the withdrawals you model. A quoted annuity rate is not an assumed investment return.
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Use monthly rupee figures on one purchasing-power basis. Regular savings are additional contributions, not employer benefits that have already been included elsewhere. Taxes, access restrictions, product guarantees and future pension-rule changes are not calculated.
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.