Estimate your National Pension System (NPS) corpus at retirement, the lump sum you can withdraw, and the estimated monthly pension from the mandatory annuity purchase.
How to Use the NPS Calculator
Enter your "Current Age" and planned "Retirement Age".
Enter your "Monthly Contribution (₹)" towards NPS.
Enter the "Expected Annual Return (%)" based on your chosen equity/debt allocation.
Enter the "Annuity Purchase (%)" - at least 40% of your corpus must buy an annuity - and the "Expected Annuity Rate (%)".
Click "Calculate" to see your total corpus, lump sum withdrawal, and estimated monthly pension.
Frequently Asked Questions
NPS rules require at least 40% of your accumulated corpus to be used to purchase an annuity from a registered insurer at retirement, which then pays you a regular pension. The remaining corpus can be withdrawn as a lump sum.
It treats your NPS contributions like a SIP - each monthly contribution compounds at your expected annual return until retirement - using the formula FV = P × [((1+r)^n - 1)/r] × (1+r), where P is the monthly contribution, r is the monthly return, and n is the number of months to retirement.
It applies your expected annual annuity rate to the annuity corpus and divides by 12 for a simple monthly estimate. Actual pension amounts depend on the annuity provider, plan type, and prevailing annuity rates at the time of purchase.
Yes, it's completely free and requires no sign-up.