NPS Calculator

Estimate National Pension System returns, retirement corpus, annuity value and potential monthly pension based on your contribution and investment assumptions.

Current Age

Retirement Age

Monthly NPS Contribution

Existing NPS Corpus

Expected Annual Return

%/yr

Annuity Allocation at Retirement

Enter your assumed annuity allocation for this illustration.

Assumed Annuity Rate

%/yr

NPS Calculation Formula

Future Corpus = Existing Corpus × (1 + r)^n + Monthly Contribution × [((1 + rₘ)^(12n) − 1) / rₘ] Where: r = expected annual return rₘ = monthly rate = (1 + r)^(1/12) − 1 n = years until retirement Annuity Value = Retirement Corpus × Annuity Allocation % Estimated Annual Pension = Annuity Value × Annuity Rate Estimated Monthly Pension = Annual Pension / 12

This calculator uses a simplified compound-growth model for planning. NPS is market-linked, and actual returns, charges, taxation, annuity pricing and applicable withdrawal rules may differ from the assumptions entered here.

How to Use the NPS Calculator

Enter Your Current Age

Enter your current age to determine the contribution period.

Set Your Contribution

Enter the amount you plan to contribute to NPS each month and any existing corpus.

Enter Return and Annuity Assumptions

Set the expected investment return, assumed annuity allocation and annuity rate.

Review Your Projection

View the projected corpus, total contributions, investment growth, annuity value and estimated monthly pension.

Understanding NPS Results

Projected NPS Corpus

The estimated value of your existing corpus and future contributions at the selected retirement age.

Investment Growth

The projected portion of the retirement corpus attributable to investment compounding under the assumed return.

Annuity Value

The portion of the projected corpus allocated to an annuity under the percentage entered in the calculator.

Important Note

This is an illustrative estimate. Actual NPS corpus, withdrawal amounts and annuity income depend on market performance, charges, applicable regulations and the annuity product selected.

Frequently Asked Questions

An NPS Calculator estimates the projected retirement corpus and pension income from National Pension System contributions, investment return, contribution period and annuity assumptions.

The calculator projects the value of regular contributions using compound growth over the selected investment period. The actual NPS outcome depends on contributions, market-linked returns, charges and the applicable NPS rules.

At retirement, the portion of the accumulated corpus used to purchase an annuity can generate a regular pension. This calculator lets you enter an assumed annuity percentage and annuity rate for an illustrative estimate.

No. This calculator provides an estimate based on the assumptions entered. Actual retirement corpus and annuity income can differ because NPS returns and annuity rates are not fixed by this calculator.

Yes. Enter the amount you plan to contribute each month, along with your current age, retirement age and expected annual return.