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NPS Calculator

Project an NPS retirement corpus and illustrate lump sum, annuity allocation and monthly pension using chosen assumptions.

Your inputs

₹ INR

Indian scheme / tax rules · amounts in INR.

YOUR RESULT

Projected NPS corpus

₹1,79,65,105.20
Total contributed
₹39,86,330.85
Estimated growth
₹1,39,78,774.35
Chosen annuity amount
₹71,86,042.08
Remaining lump sum
₹1,07,79,063.12
Estimated monthly pension
₹35,930.21
Years to retirement
30
Calculation method & assumptions

Beginning-of-month contributions grow at the assumed return. At retirement, the chosen share is allocated to an annuity; estimated pension = annuity amount × payout rate / 12.

The annuity share is a planning input. Actual exit requirements depend on sector, corpus and exit type; annuity quotations and taxes can differ.

PFRDA: NPS All Citizen model

Investment breakdown

Compare the components of the estimated total.

Investment breakdownCompare the components of the estimated total. Contributions: INR 39,86,331; Estimated growth: INR 1,39,78,774ContributionsINR 39,86,331Estimated growthINR 1,39,78,774Estimated total18.0M

Balance over time

Values at selected points in the calculation period.

Balance over timeValues at selected points in the calculation period. Year 1: INR 63,351; Year 4: INR 3,17,084; Year 6: INR 5,52,888; Year 9: INR 10,41,076; Year 12: INR 17,45,850; Year 14: INR 23,75,761; Year 17: INR 36,39,815; Year 19: INR 47,54,867; Year 22: INR 69,67,979; Year 25: INR 1,00,39,541; Year 27: INR 1,27,14,416; Year 30: INR 1,79,65,10518.0M13.5M9.0M4.5M0Y1Y4Y6Y9Y12Y14Y17Y19Y22Y25Y27Y30INR

Detailed breakdown

30 rows
PeriodTotal contributedGrowth / interestBalance
Year 1₹60,000.00₹3,351.41₹63,351.41
Year 2₹1,23,000.00₹13,504.10₹1,36,504.10
Year 3₹1,89,150.00₹31,492.79₹2,20,642.79
Year 4₹2,58,607.50₹58,476.64₹3,17,084.14
Year 5₹3,31,537.88₹95,753.15₹4,27,291.03
Year 6₹4,08,114.77₹1,44,773.44₹5,52,888.21
Year 7₹4,88,520.51₹2,07,159.27₹6,95,679.78
Year 8₹5,72,946.53₹2,84,721.80₹8,57,668.33
Year 9₹6,61,593.86₹3,79,482.43₹10,41,076.29
Year 10₹7,54,673.55₹4,93,695.85₹12,48,369.41
Year 11₹8,52,407.23₹6,29,875.53₹14,82,282.76
Year 12₹9,55,027.59₹7,90,821.95₹17,45,849.54
Year 13₹10,62,778.97₹9,79,653.85₹20,42,432.82
Year 14₹11,75,917.92₹11,99,842.83₹23,75,760.75
Year 15₹12,94,713.82₹14,55,251.58₹27,49,965.40
Year 16₹14,19,449.51₹17,50,176.23₹31,69,625.73
Year 17₹15,50,421.98₹20,89,393.16₹36,39,815.14
Year 18₹16,87,943.08₹24,78,210.85₹41,66,153.93
Year 19₹18,32,340.23₹29,22,527.16₹47,54,867.40
Year 20₹19,83,957.25₹34,28,892.75₹54,12,850.00
Year 21₹21,43,155.11₹40,04,581.15₹61,47,736.26
Year 22₹23,10,312.86₹46,57,666.37₹69,67,979.23
Year 23₹24,85,828.51₹53,97,108.58₹78,82,937.09
Year 24₹26,70,119.93₹62,32,849.03₹89,02,968.96
Year 25₹28,63,625.93₹71,75,914.83₹1,00,39,540.76
Year 26₹30,66,807.23₹82,38,534.99₹1,13,05,342.22
Year 27₹32,80,147.59₹94,34,268.56₹1,27,14,416.14
Year 28₹35,04,154.97₹1,07,78,146.40₹1,42,82,301.37
Year 29₹37,39,362.71₹1,22,86,827.93₹1,60,26,190.64
Year 30₹39,86,330.85₹1,39,78,774.35₹1,79,65,105.20
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HOW IT WORKS

Three steps. Ready for what’s next.

01

Enter your inputs

Use the labelled fields and select the assumptions or dates that apply to your calculation.

02

Review the result

Results update as inputs change. Check the breakdown, calculation method and assumptions.

03

Copy or download

Copy a summary or download the calculation breakdown as a CSV.

About NPS Calculator.

How nps is calculated

Beginning-of-month contributions grow at the assumed return. At retirement, the chosen share is allocated to an annuity; estimated pension = annuity amount × payout rate / 12.

What the result means

Project an NPS retirement corpus and illustrate lump sum, annuity allocation and monthly pension using chosen assumptions.

Assumptions and scope

The annuity share is a planning input. Actual exit requirements depend on sector, corpus and exit type; annuity quotations and taxes can differ.

Using the calculator

Enter monthly contribution, existing nps corpus, current age, planned retirement age, assumed annual return, annual contribution increase, chosen annuity allocation, assumed annual annuity payout. Change the values to compare results. Calculations run in your browser. No account is required.

A LITTLE CLARITY

Good questions. Simple answers.

A few helpful answers before you get started.

Do I need an account?

No. This tool is open to everyone without signing in.

Does this tool need the internet?

Your inputs are calculated in this browser. Load the tool online before using it offline.

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