Annuity Pension Estimator
Convert a lump sum into monthly pension using the annuity rate, with a yearly principal-vs-payout table
Annuity Details
Pension Estimate
Monthly Pension
$31,250
$31,250 per month at 7.5% annuity rate
Yearly Pension
$375,000
25-Yr Total Payout
$9,375,000
Break-even (payouts equal principal)
~13.3 years
About this Tool
An annuity converts a one-time lump sum into guaranteed periodic pension for life. Enter your corpus and the insurer's annuity rate to get the monthly payout instantly, plus a year-by-year table comparing principal against cumulative payouts.
Common Use Cases
Retirement Paycheck
Turn EPF, gratuity or sale proceeds into a steady monthly income.
Rate Shopping
Compare how 7% vs 8% annuity rates change pension for life.
Corpus Targeting
Work backwards from a desired pension to the lump sum needed.
NPS Planning
Preview the pension leg of NPS before locking in an annuity plan.
Pro Tips
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NPS 40% Annuity Rule
NPS/UPS exits typically require annuitising at least 40% of the corpus — check current rules before withdrawing.
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Lock Rates When High
Annuity payouts rise with interest rates; deferring purchase can pay off.
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Mind Inflation
Fixed pensions lose buying power — keep part of your corpus in growth assets.
FAQs
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