NPS Calculator
Estimate NPS corpus, lump sum, annuity allocation, and monthly pension.
Results are estimates for planning and education. Actual returns, annuity rates, and withdrawal rules may differ.
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NPS helps investors build a retirement corpus through disciplined long-term contributions. Because the final outcome depends on time, contribution level, and expected return, a calculator makes planning clearer before you make long-term decisions.
Understand how regular contributions may grow over decades when paired with realistic return assumptions.
Preview how the corpus may split between lump sum withdrawal and annuity purchase at retirement.
Use the estimated monthly pension output as an early benchmark for retirement income planning.
The National Pension System is a retirement-focused contribution scheme in India that helps individuals accumulate a long-term corpus for later income and withdrawals.
Early estimates make it easier to adjust contribution levels, retirement timing, or return expectations before the gap becomes difficult to close.
Retirement planning is not only about the final corpus. It is also about how much can be withdrawn and how much may convert into recurring income later.
You can join NPS between the ages of 18 and 70 years. Starting earlier generally improves the compounding benefit.
For Tier I accounts, the minimum contribution is Rs 500 per transaction and Rs 1,000 per year. There is no upper contribution limit.
Partial withdrawals are allowed under specific rules and conditions. Always verify the latest NPS rules before acting on an estimate.
The account may become inactive, but it does not automatically close. It can typically be reactivated by meeting the required contribution conditions.
Tier I is the primary retirement account with long-term restrictions and tax relevance. Tier II is more flexible and works more like a voluntary savings account.
A portion of the corpus is generally used to purchase an annuity from an approved provider, which then pays recurring pension income.
Returns vary with asset allocation and market conditions. This calculator uses your chosen expected return to model a planning estimate.
Eligibility rules can apply for NRIs. It is best to verify current NPS participation rules before making retirement planning decisions.
An NPS calculator helps you estimate how your National Pension System contributions may grow over time. It turns age, monthly contribution, expected return, and existing corpus into a clearer retirement projection.
The projected corpus is the estimated value of future contributions and any existing corpus under your chosen return assumption. The lump sum and annuity portions help you think about both withdrawal flexibility and recurring retirement income.
Many people use NPS as part of a broader retirement strategy because it combines long-term investing with a retirement-oriented structure. Still, outcomes depend on contribution discipline, investment returns, annuity rates, and the rules applicable at retirement.
This calculator is for planning and education only. Results are estimates based on your inputs and assumed return rates, and they do not guarantee future outcomes.
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