NPS Calculator

Project NPS corpus and annuity-style income from contributions and returns.

—Corpus at 60
—Lumpsum (tax-free)
—Monthly pension

NPS matures at age 60. At least 40% of the corpus must buy an annuity (pension); the rest can be withdrawn. Rates are assumptions you can edit — actual returns and annuity rates vary.

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How to use NPS Calculator

Three quick steps — no sign-up needed

  1. Step 1

    Enter contribution and age

    Add monthly contribution (₹) and current age.

  2. Step 2

    Set return and annuity assumptions

    Choose expected return, annuity purchase % of corpus, and annuity return.

  3. Step 3

    Read corpus and income estimates

    See projected pot and annuity-style payout assumptions.

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About NPS Calculator

NPS Calculator projects National Pension System style corpus growth from monthly contributions, age, and expected returns, with annuity purchase assumptions at exit. Savers searching "NPS calculator", "NPS corpus", or "NPS annuity" want a structured retirement estimate.

Enter monthly contribution (₹), current age, expected return, annuity % of corpus, and annuity return. Real NPS outcomes depend on tier choices, fund performance, and prevailing annuity rates at retirement.

Rules for withdrawal and annuity purchase can change. Verify current NPS regulations. Educational model - not PFRDA advice or a guaranteed pension quote.

Benefits of NPS Calculator

Contribution to corpus path See long-term pot growth.
Annuity assumptions Model post-retirement income style outputs.
Age-aware timeline Years to retirement drive results.
Planning conversations Prepare before increasing SIP-like NPS contributions.

Frequently asked questions

Is NPS return fixed?

No - market-linked returns vary by fund choice.

Why annuity percentage?

At exit, a portion of corpus is typically used to buy an annuity under NPS rules.

Does this include tax benefits?

It focuses on corpus maths; tax treatment should be checked separately.

Can I change contribution later?

Yes in real NPS - recalculate with new monthly amounts.

Is this official NPS?

No - an educational calculator only.