Pension Calculator: The Complete Guide
Turn a retirement corpus into a monthly income figure. Enter your corpus, the return you expect during retirement, and how many years it should last to estimate the monthly and annual pension you could draw.
Who the Pension Calculator is for
Retirees and near-retirees working out how much regular income their savings can safely provide.
How to use the Pension Calculator
- Type your values into the fields above — pick your currency or units where the calculator offers them.
- Results update automatically as you type; there's no submit button and nothing is sent to a server.
- Adjust any input to compare scenarios, then copy the result with a single click.
How it works
Monthly income = C × r ÷ (1 − (1 + r)^−n), an annuity-style drawdown where C is the corpus, r is the monthly return in retirement, and n is the number of months — depleting the corpus over the chosen period.
Features
- Monthly pension income
- Annual income & total drawn
- Any currency
- Choose the duration
Drawing income from a corpus
In retirement, a corpus can be converted into a steady income by drawing down principal and earnings together — the same math as a loan in reverse. A longer drawdown period or a higher in-retirement return both raise the sustainable monthly income. This calculator shows an annuity-style drawdown that fully depletes the corpus over your chosen years.