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NPS calculator

What could NPS give you at retirement?

Estimate your corpus, the lump sum you can take, and the monthly pension from the annuity — with yearly step-ups and employer contributions. Compare up to three plans.

Planning estimates for education — not financial advice. Rates and returns change.

Option A

Optional

Corpus at 60

₹1.65 Cr

Lump sum

₹1.32 Cr

Annuity purchase

₹32.93 L

Monthly pension

₹17,834

at 6.5% annuity rate

You invest in total

₹39.86 L

What builds your corpus

  • Your contributions
  • Employer contributions
  • Market growth
  • Existing corpus
  • Corpus at retirement₹1.65 Cr

    Your contributions ₹39.86 LEmployer contributions ₹0Market growth ₹1.25 CrExisting corpus ₹0

At retirement: lump sum vs pension

  • Lump sum at retirement
  • Buys pension (annuity)
  • Retirement corpus₹17,834/mo pension

    Lump sum at retirement ₹1.32 CrBuys pension (annuity) ₹32.93 L

Corpus by age

Use left and right arrow keys to read values.₹0₹50L₹1Cr₹1.5Cr₹2Cr31364146515660Option A

Contributions vs growth, year by year

  • Your contributions
  • Employer contributions
  • Market growth
  • Existing corpus
₹0₹50L₹1Cr₹1.5Cr₹2Cr31364146515660

Suggestions

  • ⚠️Starting 5 years later would shrink the corpus by ₹71.22 L — time in the market matters most.
  • 📌A 40% annuity would raise the monthly pension to ₹35,669 but reduce the lump sum to ₹98.78 L.
  • 📌A pension of ₹17,834/month in 30 years is worth about ₹3,105 today (at 6% inflation). Most annuities do not rise with inflation.
  • 📌NPS returns are market-linked and not guaranteed; 10% is an assumption. Minimum annuity for your subscriber type: 20% of the corpus. Check current PFRDA and tax rules before deciding.

Educational planning estimates, not financial advice.

How it's calculated

  • NPS has no fixed rate: returns depend on markets and your fund mix. The presets are long-run assumptions, not forecasts.
  • Contributions are invested monthly and grow at the assumed return; they rise by the step-up % each year. At retirement, the annuity share buys a pension; the rest can be withdrawn.
  • Minimum annuity: 20% for all-citizen and corporate subscribers and 40% for government subscribers, per PFRDA's December 2025 amendment as reported. Small corpuses have different limits, and tax treatment differs from the withdrawal limit — confirm on PFRDA before deciding.
  • Annuity rates vary by insurer and option; 6.5% is an illustration. Most annuities pay a fixed amount that does not rise with inflation.