Worked examples for your EPF corpus, EPS pension, NPS annuity, APY, NPS Vatsalya and a retirement income plan.
The question most people actually ask is simple: how much will I get each month when I retire? The answer depends on a handful of inputs: what goes in each month, for how many years, at what return, and how the scheme turns a corpus into income at the end. This section works through those steps with illustrative numbers, so you can repeat them with your own salary slip and passbook.
Begin with the retirement corpus calculation guide, which shows how to estimate the amount you need and the amount you are on track for. Then go to your scheme: the EPF corpus projection, the EPS pension calculation, the NPS pension estimate, annuity options, Atal Pension Yojana contributions, a retirement income plan combining SCSS, PPF and annuities and NPS Vatsalya for children.
Returns used in examples are assumptions, not forecasts. Market-linked NPS funds have no guaranteed return, and annuity rates change with interest rates. Use the retirement corpus calculator and the annuity pension calculator to test different assumptions.
Pension calculations and checklists
How annuities work for NPS exits and pension plans: the main options, why rates differ, worked pension comparisons, payout frequency and mistakes to avoid when buying.
Pension calculations and checklists
How much you pay into Atal Pension Yojana by age, what pension and corpus your family gets, who can join, late-payment penalties and what happens if you stop.
Pension calculations and checklists
A worked EPF projection with 12% contributions, the employer split, salary growth and 8.25% interest, plus the cost of withdrawing PF early and how to rerun it yourself.
Pension calculations and checklists
Calculate your EPS pension step by step: pensionable salary, service, the two-year bonus, early pension cuts, short service and how the new ₹25,000 ceiling may change results.
Pension calculations and checklists
Worked NPS estimate: ₹10,000 a month for 30 years at three return assumptions, the 80:20 exit split, the annuity pension it buys and what changes for government staff.
Pension calculations and checklists
How NPS Vatsalya works after the January 2026 guidelines: who can open it, minimum contribution, partial withdrawals, options at 18, and what a small monthly amount could grow to.
Pension calculations and checklists
Work out your retirement corpus in rupees: inflate today's expenses, subtract pensions, size the corpus, and compare with what EPF, NPS and PPF will give you.
Pension calculations and checklists
A worked retirement income plan for a couple at 60: bucket the EPF and NPS money, use SCSS and an annuity for steady income, and test whether withdrawals are sustainable.
