NPS Calculator
Projected NPS corpus, lumpsum and monthly pension at retirement.
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How it is calculated
Annuity purchase = corpus × annuity %; lump sum = corpus − annuity purchase; monthly pension = annuity purchase × annuity rate ÷ 12.
Worked example
₹10,000 a month from age 30 to 60 at 10% p.a.: corpus ≈ ₹2.26 crore on ₹36 lakh contributed. With 40% annuity at 6%, lump sum ≈ ₹1.36 crore and pension ≈ ₹45,000 a month.
About the NPS Calculator
Projected NPS corpus, lumpsum and monthly pension at retirement. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for monthly contribution, current age, retirement / exit age, existing nps corpus, expected annual return – editable, annual step-up in contribution and a few more details. Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
How much of the NPS corpus must go into an annuity?
Under the PFRDA exit regulations as amended in December 2025, non-government subscribers must use at least 20% of the corpus for an annuity and may withdraw up to 80% as a lump sum; government subscribers have a 40% minimum. Check the current rules before you plan.
What return should I assume?
NPS returns depend on your asset allocation (equity, corporate bonds, government securities). Test a low, medium and high case rather than trusting a single figure.
What are the tax benefits?
Contributions can qualify for deductions under sections 80CCD(1), 80CCD(1B) and 80CCD(2), subject to the regime chosen and the limits in force. Check the current provisions or ask a tax professional.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.