Superannuation Fund Calculator
years
18years55years
years
31years70years
₹
₹10,000₹1,00,00,000
%
1%27%
Max 27% of basic (15% tax-exempt)
%
4%15%
%
0%15%
₹
₹0₹10,00,00,000
About Superannuation
- Employer-sponsored retirement benefit
- Contribution up to 15% of basic is tax-exempt
- 33% can be withdrawn as tax-free lump sum
- 67% must be used to buy annuity
- Managed by LIC or private insurers
Retirement Corpus
₹1,87,14,180
In 30 years
Monthly Pension
₹62,693
From annuity (67%)
Corpus Breakdown
Breakdown
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Corpus Growth Over Time
Growth Over Time
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Retirement Benefits
Total Corpus at Retirement₹1,87,14,180
Tax-Free Lump Sum (33%)₹61,75,679
Annuity Purchase (67%)₹1,25,38,501
Estimated Monthly Pension₹62,693
Contribution Summary
Basic Salary (Assumed)₹50,000/month
First Year Annual Contribution₹90,000
Final Year Annual Contribution₹3,70,452
Total Contributions₹59,79,496
Total Interest Earned₹1,27,34,684
Tax Benefits
Annual Tax Exemption (First Year)₹90,000
Estimated Tax Saved (30% bracket)₹27,000/year
Superannuation is an EET (Exempt-Exempt-Taxed) product. Contributions and growth are tax-free, but pension income is taxable. The 33% lump sum withdrawal is tax-free.