Pension Income Calculator India — Monthly Corpus Withdrawal 2026

Last updated: 29 April 2026 Reviewed by Deepa Krishnan, CFP

A **pension income calculator** tells you the sustainable monthly withdrawal from your retirement corpus. If your corpus earns 7–8% post-retirement and you withdraw 5–6% annually, the corpus can last 25–35 years. This calculator helps you find the right balance between withdrawal amount, corpus depletion timeline, and leaving a residual estate.

Retirement Corpus (₹)

Post-Retirement Investment Return (% p.a.)

Retirement Period (Years)

Sustainable Monthly Withdrawal —

Total Withdrawn Over Period —

Total Returns Earned —

Annual Pension Income —

View Year-by-Year Breakdown

Real-World Examples — 2026

₹1 crore corpus — 25 years at 7%

Monthly withdrawal: ₹70,645. Annual: ₹8.48 lakh. Total withdrawn over 25 years: ₹2.12 crore. Total returns earned from corpus: ₹1.12 crore. The corpus grows with returns but depletes through withdrawals, reaching zero at exactly year 25.

₹2 crore corpus — sustainable forever

₹2 crore at 7%: monthly income ≈ ₹1.17 lakh. Annual return ≈ ₹14 lakh, spending ≈ ₹14 lakh — corpus stays intact. This is the 'dividend' or perpetual model where you live off investment returns without depleting principal.

Frequently Asked Questions

How much monthly pension can ₹1 crore corpus give?

₹1 crore corpus at 7% return for 25 years: sustainable monthly withdrawal is approximately ₹70,000/month. If you only need ₹50,000/month, the corpus can last indefinitely (corpus earns more than withdrawal). ₹70,000/month at 7% for 25 years depletes the corpus at exactly 25 years.

What is the difference between annuity and SWP for pension?

Annuity (from insurance company): guaranteed income for life, fixed rate, no market risk, income taxable, no liquidity. SWP from mutual fund: market-linked, may vary, corpus remains accessible, more flexible, can increase/decrease withdrawal. SWP is more flexible but carries market risk. Diversify between both.

Should I use debt funds or equity for post-retirement portfolio?

A common allocation: 40% equity, 60% debt at retirement, shifting to 30/70 by age 70. Equity provides growth to beat inflation; debt provides stability for near-term withdrawals. Bucket strategy: 1–2 years expenses in liquid/ultra-short funds, 3–7 years in debt funds, rest in equity.

Is this calculator free?

Yes, completely free on CalcPhi.

Are my inputs stored?

No. Calculations run in your browser.

Is it mobile-friendly?

Yes. Works on all modern smartphones.