NPS Calculator - National Pension System (India)

Your details

Your total monthly NPS Tier I contribution (employee + any employer contribution). Minimum is INR 500 per month.
INR
Your age today. NPS is open to Indian citizens aged 18 to 70.
years
Age at which you plan to exit NPS. Standard retirement age is 60; you may choose up to 75.
years
Projected annualised return on your NPS portfolio. Equity-heavy (Auto/Active) NPS funds have historically delivered 10-12% p.a.; conservative allocations tend toward 7-9%.
%
Minimum 40% of corpus must be used to purchase an annuity at exit. You may choose a higher percentage for a larger monthly pension.
%
Annual rate offered by the annuity provider (insurance company) on the corpus invested in an annuity. Current market rates typically range from 5.5% to 7.5%.
%
Optional: percentage by which you increase your monthly contribution each year (salary step-up). Leave at 0 for a flat contribution.
%
Maturity CorpusStrong corpus (1 Crore+)
₹17,816,633

Total NPS corpus at retirement (principal + investment returns)

Total Invested₹3,986,331
Investment Gains₹13,830,302
Lumpsum Withdrawal₹10,689,980
Annuity Corpus₹7,126,653
Estimated Monthly Pension₹35,633
Investment Period30years
Total Invested₹3,986,331
Investment Gains₹13,830,302

Your NPS corpus could reach INR 1.78 crore at retirement.

  • Your contributions will grow approximately 4.5x over 30 years, with 78% of the final corpus coming from returns rather than contributions.
  • You can withdraw INR 1.07 crore as a tax-free lumpsum at retirement.
  • The annuity corpus of INR 71.3 lakh is estimated to generate a monthly pension of about INR 35,633.
  • Contributions to NPS Tier I are eligible for deductions under Section 80CCD(1) up to INR 1.5 lakh and an additional INR 50,000 under Section 80CCD(1B), providing meaningful annual tax savings.

Next stepReview your asset allocation in NPS (Equity/Government Bond/Corporate Debt) annually and consider increasing your contribution by 5-10% each year to further boost the final corpus.

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