NPS Calculator (National Pension System)

Plan your retirement with India's most accurate NPS Calculator. Estimate your corpus, monthly pension, and lump sum withdrawal — based on latest NPS rules 2025-26.

Free & Instant Updated for FY 2025-26 Govt + Non-Govt + Vatsalya

Scheme Available * Select your NPS scheme preference.

My Date of Birth *

Or Age (Years) Age 18–70 years.

My Existing NPS Tier 1 Corpus ₹ Enter your current NPS Tier 1 balance. 0 for new subscribers.

I would like to contribute ₹ * Total monthly: Employee + Employer + Voluntary contribution.

Contribute till retirement age (Years) * Enter the age until which you plan to contribute. Min 60, Max 75.

Defer exit/withdrawal till age (Years) Leave blank for exit at retirement age. Max 75 years. No contributions during deferment.

% Annual Increase in contributions

Planned % increase in contributions annually (e.g., aligned with salary growth).

Expected Return on Investment (%) *

10%

Expected annual return. NPS equity ~12-14%, bonds ~8-10%. For balanced estimate use 9-10%.

Annuity & Pension Settings

Annuity ratio (%) *

40%

Portion of corpus for monthly pension. PFRDA mandates minimum 40% at normal exit (age 60+).

Expected Annuity rate (%)

Rate from annuity provider. Current market rates ~5-7% for life annuity with return of purchase price.

Desired Monthly Pension ₹ (Optional) Enter the pension you want — we'll show options to achieve it (increase contribution or annuity ratio).

Projected Corpus at Exit

₹0

Total Investment ₹0

Total Gain ₹0

Projected Monthly Pension ₹0

Annuity Corpus (Pension) ₹0

Lump Sum Withdrawal ₹0

Year-wise Corpus Growth

Contribution vs Gain

Lump Sum vs Annuity

Calculation Method & Assumptions

Calculations use monthly compounding: corpus grows each month at (annual rate / 12).
Step-up: Monthly contribution increases by the entered % at the start of each new year.
Deferment: Between retirement and exit, corpus continues to compound at the same rate but no new contributions are made.
Annuity split: At exit, the chosen annuity % of corpus is used to purchase an annuity. Remainder is lump sum.
Monthly Pension = (Annuity Corpus × Annuity Rate %) / 12.
If total corpus at exit is ≤ ₹5,00,000, entire amount can be withdrawn as lump sum (PFRDA rule).
Fund management charges, transaction costs, and taxes are not factored in.
Formula: Each month — Corpus = Corpus × (1 + r/12) + Monthly Contribution.

Important Disclaimer

This calculator is for informational and planning purposes only. It is not intended to constitute financial advice.

Investments under NPS are subject to market risks. Past performance neither guarantees future returns nor assures any pension amount. The actual corpus, lump sum, and pension will depend on actual market returns, fund manager performance, and prevailing annuity rates at the time of exit.

Please consult a qualified financial advisor before making any investment decisions based on these projections.

The annuity rates and exit rules mentioned are based on current PFRDA guidelines and may change. Always refer to the latest PFRDA/NPS Trust circulars for current rules.

Scheme Available * Select your NPS scheme preference.

My Date of Birth *

Or Age (Years) Age 18–70 years.

My Existing NPS Tier 1 Corpus ₹ Enter your current NPS Tier 1 balance. 0 for new subscribers.

I would like to contribute ₹ * Total monthly: Employee + Employer + Voluntary contribution.

Contribute till retirement age (Years) * Enter the age until which you plan to contribute. Min 60, Max 75.

Defer exit/withdrawal till age (Years) Leave blank for exit at retirement age. Max 75 years. No contributions during deferment.

% Annual Increase in contributions

Planned % increase in contributions annually (e.g., aligned with salary growth).

Expected Return on Investment (%) *

10%

Expected annual return. NPS equity ~12-14%, bonds ~8-10%. For balanced estimate use 9-10%.

Annuity & Pension Settings

Annuity ratio (%) *

40%

Portion of corpus for monthly pension. PFRDA mandates minimum 40% at normal exit (age 60+).

Expected Annuity rate (%)

Rate from annuity provider. Current market rates ~5-7% for life annuity with return of purchase price.

Desired Monthly Pension ₹ (Optional) Enter the pension you want — we'll show options to achieve it (increase contribution or annuity ratio).

Projected Corpus at Exit

₹0

Total Investment ₹0

Total Gain ₹0

Projected Monthly Pension ₹0

Annuity Corpus (Pension) ₹0

Lump Sum Withdrawal ₹0

Year-wise Corpus Growth

Contribution vs Gain

Lump Sum vs Annuity

Calculation Method & Assumptions

Calculations use monthly compounding: corpus grows each month at (annual rate / 12).
Step-up: Monthly contribution increases by the entered % at the start of each new year.
Deferment: Between retirement and exit, corpus continues to compound at the same rate but no new contributions are made.
Annuity split: At exit, the chosen annuity % of corpus is used to purchase an annuity. Remainder is lump sum.
Monthly Pension = (Annuity Corpus × Annuity Rate %) / 12.
If total corpus at exit is ≤ ₹5,00,000, entire amount can be withdrawn as lump sum (PFRDA rule).
Fund management charges, transaction costs, and taxes are not factored in.
Formula: Each month — Corpus = Corpus × (1 + r/12) + Monthly Contribution.

Important Disclaimer

This calculator is for informational and planning purposes only. It is not intended to constitute financial advice.

Please consult a qualified financial advisor before making any investment decisions based on these projections.

The annuity rates and exit rules mentioned are based on current PFRDA guidelines and may change. Always refer to the latest PFRDA/NPS Trust circulars for current rules.

Scheme Available * Select your NPS scheme preference.

Minor's Date of Birth *

Or Age (Years) Age 0–17 years.

Likely Monthly Contribution ₹ * Minimum ₹1,000/year (~₹84/month).

% Annual Increase in contributions

Planned % increase in contributions annually (e.g., aligned with salary growth).

Expected Return on Investment (%) *

10%

Expected annual return. NPS equity ~12-14%, bonds ~8-10%. For balanced estimate use 9-10%.

Desired Corpus at 18 Years ₹ (Optional) Enter target corpus — we'll calculate the required monthly contribution.

Your Projected Corpus at 18 Years

₹0

Total Investment ₹0

Total Gain (Returns) ₹0

Year-wise Corpus Growth

Contribution vs Gain

Calculation Method & Assumptions

Calculations use monthly compounding: corpus grows each month at (annual rate / 12).
Step-up: Monthly contribution increases by the entered % at the start of each new year.
Corpus is calculated from current age until the child turns 18.
At age 18, NPS Vatsalya converts to regular NPS Tier 1 account.
Fund management charges, transaction costs, and taxes are not factored in.
Formula: Each month — Corpus = Corpus × (1 + r/12) + Monthly Contribution.

Important Disclaimer

This calculator is for informational and planning purposes only. It is not intended to constitute financial advice.

Please consult a qualified financial advisor before making any investment decisions based on these projections.

The annuity rates and exit rules mentioned are based on current PFRDA guidelines and may change. Always refer to the latest PFRDA/NPS Trust circulars for current rules.

Indicative Only

Market-Linked Returns

Not Financial Advice

No Data Stored

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