NPS Calculator
Estimate your NPS (National Pension System) corpus at 60, the lump sum you can withdraw, and the monthly pension from the annuity you buy.
Estimated corpus at 60
₹1.14 Cr
Monthly pension approx ₹22,793
Breakdown
Illustrative projection only, not financial advice. NPS returns and annuity rates are market-linked and not guaranteed.
How it's calculated
- 1Your monthly contribution is invested and compounds until age 60 at your expected return.
- 2At 60 you can withdraw part of the corpus as a lump sum; the rest must buy an annuity (at least 40%).
- 3The monthly pension is the annuity amount multiplied by the annuity rate, divided across the year.
- 4Returns and annuity rates are assumptions for illustration, not guarantees.
Why use this
- See how a small monthly NPS habit builds a retirement corpus.
- Understand the split between lump sum and pension at 60.
- Test different contribution levels and return assumptions.
- Download a branded PDF of the projection.
Frequently asked questions
How is the NPS corpus calculated?+
Your monthly contributions are invested and compound until age 60 at your expected return, much like a SIP. The calculator uses the future value of your monthly contributions to estimate the corpus at retirement.
How much of the NPS corpus can I withdraw?+
At 60 you can withdraw part of the corpus as a tax-friendly lump sum, and the remainder, at least 40%, must be used to buy an annuity that pays a pension. This calculator lets you choose the annuity portion and shows both amounts.
How is the monthly pension worked out?+
The pension is the annuity purchase amount multiplied by the annuity rate you enter, spread across 12 months. Actual annuity rates are set by the annuity provider at the time of purchase.
Are NPS returns guaranteed?+
No. NPS is market-linked, so returns vary with the funds you choose. The expected return and annuity rate here are assumptions for planning, not promises.
Is this financial advice?+
No. It is an illustrative projection. Confirm current NPS rules, tax treatment, and annuity rates with a licensed advisor before deciding.
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