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Combine all pension sources to estimate total retirement monthly income
Total Monthly Income (Gross)
After-Tax Monthly Income
Estimated Annual Taxes
Comprehensive retirement income planning requires aggregating all pension and income sources into a single monthly figure to assess lifestyle sustainability. For Indian retirees, this includes EPS-95 pension (₹10-15K/month guaranteed), NPS annuity payout (40% of corpus converted at 60), APY or social security pensions (if applicable), systematic withdrawal plan (SWP) from mutual funds, rental income from properties, and any consulting/part-time income. This calculator consolidates these streams, showing your total gross monthly income, estimated tax burden (using typical 20% rate), and net after-tax income—the figure actually available for spending. A common misconception is that retirees live on pension alone; most successful retirees rely on diversified income: pension (40-50% for security), SWP/investments (30-40% for flexibility), and passive income (10-20% from property/business). This calculator helps you visualize if your aggregated income matches retirement expenses, and identifies gaps requiring post-retirement adjustments.
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.