Annuity Calculator

Estimate your monthly pension from annuity investments with detailed growth projections.

Accurate pension estimation
Investment growth tracking
Visual retirement planning
Annuity Pension
Investment Details
₹
Enter investment amount (₹1,00,000–₹10,00,00,000).
Initial lump sum for annuity investment.
Years
Enter investment period (1–40 years).
Time until the annuity is purchased.
%
Enter return rate (2–15%).
Expected annual return on investment before annuity purchase.
%
Enter annuity rate (3–10%).
Annual payout rate of the annuity (e.g., 6% means ₹6 per ₹100 of corpus annually).
%
Enter inflation rate (0–10%).
Annual increase in pension to adjust for inflation (0 for fixed pension).

Annuity Pension Summary

Monthly Pension
₹0
Total Investment
₹0
Accumulated Corpus
₹0
Interest Earned
₹0
Steps to Annuity Planning
Invest Lump Sum

Start with a lump sum investment for growth.

Track Growth

Monitor investment growth until annuity purchase.

Plan Pension

Strategize annuity use for retirement income.

Note: Projections are displayed for all years of investment. Download the CSV for the full projection.
Annuity Investment Growth
YearOpening Balance (₹)Interest Earned (₹)Closing Balance (₹)Estimated Monthly Pension (₹)

What is an Annuity?

An annuity is a financial product that provides a regular income, typically for retirement, in exchange for a lump sum investment. The investment grows over time, and upon maturity, it is used to purchase an annuity that pays a fixed or inflation-adjusted monthly pension.

Annuities are popular in India for ensuring a steady retirement income, offered by insurers like LIC or private companies.

Did You Know?

A ₹10 lakh investment at 7% return over 20 years can provide a monthly pension of over ₹12,000 with a 6% annuity rate!

Benefits of Annuities

Provides a reliable monthly pension for retirement.

Ensures financial stability with predictable payouts.

Option to increase pension annually to counter inflation.

Frequently Asked Questions

The annuity rate is the annual payout percentage of the investment corpus. For example, a 6% rate means ₹6 per ₹100 of corpus annually, paid monthly.

The pension starts after the investment period, when the accumulated corpus is used to purchase the annuity.

Yes, some annuities offer inflation-adjusted payouts, increasing the pension annually by a specified rate (e.g., 3%).