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  1. Home
  2. Finance & Money
  3. NPS Calculator

Finance calculator

NPS Calculator

Estimate NPS retirement corpus and monthly pension. Enter your details to see an estimate.

Enter your details

Update the values below and select calculate.

Amount invested into NPS every month

Rs.

Your present age

years

Age at planned NPS exit

years

Illustrative NPS growth rate

%

Share of corpus used to buy annuity

%

Illustrative annual annuity payout rate

%

Calculation result

Estimated retirement corpus: ₹2,27,93,253

Retirement corpus
₹2,27,93,253
Lump sum withdrawal
₹1,36,75,952
Annuity purchase
₹91,17,301
Estimated monthly pension
₹45,587

Estimated NPS wealth gain

₹6,703
Year 1
₹1,80,824
Year 5
₹8,65,520
Year 10
₹23,79,243
Year 15
₹52,56,969
Year 20
₹1,03,78,903
Year 25
₹1,91,93,253
Year 30

Calculation breakdown

Amount invested
₹36,00,000
Estimated gains
₹1,91,93,253
Years to retirement
30
Annuity allocation
40%
  • * NPS returns and annuity rates are market-linked and not guaranteed.
  • * Tax treatment depends on applicable rules at withdrawal.

Frequently asked questions

Is NPS return fixed?

No. NPS returns are market-linked. The calculator provides an illustration based on the expected rate you enter.

Before you decide

This calculator provides an estimate. Confirm rates, fees, taxes, and product terms with your provider.