Pension Calculator
Estimate your monthly pension based on salary and years of service.
Pension & Retirement Corpus Calculator
SIP and lump sum calculations assume 12% p.a. pre-retirement equity returns.
Corpus Breakdown — Your Investment vs. Returns
Retirement Planning Tips
- Start early — every year of delay significantly increases the monthly SIP needed.
- Use NPS (National Pension System) for additional corpus with Section 80CCD(1B) tax benefit up to ₹50,000.
- Gradually shift from equity to debt as you approach retirement (lifecycle investing).
- Plan for healthcare corpus separately — medical inflation is higher than general inflation.
- Step up your SIP by 10–15% every year to account for income and salary growth.
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About Pension Calculator
Estimate your monthly pension based on salary and years of service. Use this free calculator to make informed financial decisions. All calculations are performed instantly in your browser — no login required, no data stored.
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Frequently Asked Questions
How accurate is this calculator?
This calculator uses standard financial formulas and is designed for educational and planning purposes. For precise financial advice, please consult a certified financial planner.
Is my data saved or stored?
No. All calculations happen entirely in your browser. We do not store, transmit, or log any of the values you enter.
Can I share the results?
Yes! Use the Share buttons above to send this calculator via WhatsApp, Twitter/X, or copy the link. You can also print the results using the Print button.