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Read detailed guideNPS Calculator
This NPS calculator helps estimate long-term retirement savings based on monthly contribution, expected annual return, and an annuity assumption.
Enter your values
Indicative only. NPS return rates and annuity payouts are market-linked and provider-dependent.
Results update instantly as you edit inputs
Result
₹1,32,68,334
Estimated retirement corpus
Projected corpus₹1,32,68,334After 25 years of contributions
Indicative lump sum₹79,61,000Illustrated at 60% of corpus
Annuity allocation₹53,07,334Illustrated at 40% of corpus
Indicative monthly pension₹26,537Assuming 6% annuity return
Assumptions
The calculation assumes fixed monthly contributions and a constant annual return.
The 60% lump sum and 40% annuity split is used for illustration.
Calculator insights
Total contribution over the period is ₹30,00,000.
Estimated market-driven gain over contributions is ₹1,02,68,334.
How to use the NPS Calculator
1
Enter the monthly NPS contribution amount.
2
Choose the number of years remaining until retirement.
3
Set the expected annual return and annuity rate.
4
Review estimated corpus, lump sum, annuity allocation, and pension.
Why use this calculator
Model retirement outcomes with different contribution levels.
Estimate how corpus may split between lump sum and annuity.
Support long-term personal finance and employee advisory discussions.
FAQ
Frequently asked questions about the NPS Calculator
Does the NPS calculator guarantee future returns?
No. It uses assumed rates for illustration. Real NPS returns and annuity payouts are market-linked and provider-dependent.
Why does the calculator show lump sum and annuity separately?
It helps users understand how retirement corpus may be split between immediate withdrawal and pension-oriented allocation.
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