💰 Annuity Calculator

Estimate annuity payouts from your retirement corpus

An annuity is a product where you give a lump sum to an insurer and receive guaranteed monthly payouts for life (or a fixed period). Pension plans like NPS use annuities. Higher age = higher payout rate. Annuity income is fully taxable.

Lumpsum Amount / Corpus (₹)

Your Age at Purchase

Annuity Type

Indicative Annuity Rate (%) Based on age & type

Your Tax Slab (%)

Gross Monthly Annuity

₹0

Net Monthly (Post-Tax)

₹0

Gross Annual

₹0

Annual Tax

₹0

Effective Yield

📊 Annuity Rate Guide (Indicative)

Age 55-60	5.5% - 6.5%
Age 60-65	6.0% - 7.5%
Age 65-70	7.0% - 8.5%
Age 70+	8.0% - 10%+

Rates vary by insurer, type of annuity, and market conditions.

Annuity Types Explained

Life Annuity: Payments for your lifetime only

Life with Spouse: Payments continue to spouse after your death

Guaranteed: Minimum payout for 10/15 years even if you die

Increasing: Payments increase 3% yearly to beat inflation

📈 Cumulative Payouts Over Time