NPS Calculator
NPS corpus at retirement, the share that must be annuitised, and an indicative monthly pension.
Result
- Total invested
- ₹18,00,000
- 360 monthly contributions
- Estimated growth
- ₹74,22,370
- 412.35% of what you put in
- Used to buy an annuity
- ₹36,88,948
- 40.00% of the corpus
- Lump sum you can withdraw
- ₹55,33,422
- 60.00% of the corpus
- Years of contribution
- 30 years
| Age | Invested so far | Corpus |
|---|---|---|
| 31 | ₹60,000 | ₹63,007 |
| 33 | ₹1,80,000 | ₹2,07,307 |
| 35 | ₹3,00,000 | ₹3,79,949 |
| 37 | ₹4,20,000 | ₹5,86,501 |
| 39 | ₹5,40,000 | ₹8,33,622 |
| 41 | ₹6,60,000 | ₹11,29,281 |
| 43 | ₹7,80,000 | ₹14,83,011 |
| 45 | ₹9,00,000 | ₹19,06,219 |
| 47 | ₹10,20,000 | ₹24,12,551 |
| 49 | ₹11,40,000 | ₹30,18,333 |
| 51 | ₹12,60,000 | ₹37,43,099 |
| 53 | ₹13,80,000 | ₹46,10,218 |
| 55 | ₹15,00,000 | ₹56,47,652 |
| 57 | ₹16,20,000 | ₹68,88,851 |
| 59 | ₹17,40,000 | ₹83,73,839 |
| 60 | ₹18,00,000 | ₹92,22,370 |
Showing 16 of 30 years.
All figures are estimates from the inputs above, not a guarantee of returns and not advice. NPS returns are market-linked and vary with your fund mix, and the pension figure depends entirely on the annuity an insurer quotes at exit — rates differ by provider and by the annuity option you pick. Tax treatment of the lump sum and the pension is not modelled. Rates and statutory charges change. Verify current charges with your broker, the exchange and SEBI before relying on these figures.
Estimated from the numbers you entered — not a projection of guaranteed returns. Statutory and exchange rates as of 2026-08.
About this calculator
NPS accumulates your monthly contributions in market-linked funds until you exit, usually at 60. At exit a minimum share of the corpus must be used to buy an annuity from a life insurer and the rest can be withdrawn as a lump sum. The return here is your assumption, not a promise, and the annuity rate is a quote you will get from an insurer on the day — it is not fixed by anyone in advance.
Formula
- Corpus = C × [((1 + i) ^ n − 1) / i] × (1 + i), with C × n when i = 0
- C = monthly contribution, i = expected return ÷ 12, n = months to exit
- Annuity purchase = Corpus × annuity share; Lump sum = Corpus − Annuity purchase
- Indicative monthly pension = Annuity purchase × annuity rate ÷ 12
Frequently asked questions
Is the monthly pension guaranteed?
No. It depends on the corpus you actually accumulate and on the annuity rate a life insurer quotes when you exit. Different providers and annuity options give very different payouts.
How much of the corpus can I withdraw?
A minimum share must be used to buy an annuity and the balance can be taken as a lump sum. The minimum is set by regulation, which is why it is an editable field here.
What return should I assume?
That is your call. NPS funds hold a mix of equity, corporate bonds and government securities, so the outcome varies with your allocation. Run a low and a high assumption and look at the range.