🎲 Fun & Lifestyle
Pension Calculator
How much monthly pension you'll get from a corpus.
Enter values to see your result
Frequently asked questions
Deplete vs preserve — which is better?
Deplete gives higher monthly income but leaves nothing. Preserve gives lower income but your heirs inherit the full corpus. Hybrid plans withdraw a mix.
How do I account for inflation?
Use real (inflation-adjusted) rate. If nominal rate is 8% and inflation is 6%, use 2% as your rate for a pension that maintains purchasing power.
What return rate is safe for retirees?
Conservative portfolio: 6–7% (debt-heavy). Balanced: 8–9%. Do NOT assume equity returns throughout retirement — sequence-of-returns risk is severe in early retirement years.
Is this calculator the same as an annuity?
Mathematically yes, with one big difference: commercial annuities add insurer markup (2–3%) and charge for mortality risk. A DIY systematic withdrawal usually yields more.