NPS Calculator
Estimate NPS corpus, lump sum and monthly pension.
About the NPS Calculator
Enter current age, monthly contribution, expected return, lump-sum percentage and expected annuity rate. The calculator estimates the corpus at 60, the lump sum you can withdraw and the pension from the annuity portion.
NPS Calculator
How the calculation works
Corpus = SIP future value; Pension = (Corpus × annuity%) × annuity rate ÷ 12.
| Assumption | Value |
|---|---|
| Current rate | Market-linked |
| Tenure | Till 60 (can stay invested up to 85) |
| Minimum | ₹1,000 per year (Tier I) |
| Maximum | No limit |
| Tax | EET — partly tax-free at exit |
Read the full National Pension System (NPS) guide →
Ready reckoner
| Monthly contribution | Years | Assumed return | Estimated corpus |
|---|---|---|---|
| ₹5,000 | 30 (age 30→60) | 10% p.a. | ≈ ₹1.14 crore |
| ₹5,000 | 25 (age 35→60) | 10% p.a. | ≈ ₹66.9 lakh |
| ₹10,000 | 30 | 10% p.a. | ≈ ₹2.28 crore |
Market returns are not guaranteed. Use the NPS calculator to change assumptions and see lump sum and pension.
Frequently asked questions
What return should I assume?
Many planners use 8–10% for balanced allocations; returns are not guaranteed.
Information is for education and comparison. Interest rates are notified by the Government every quarter and scheme rules can change — confirm with India Post, your bank, EPFO or PFRDA before investing. FinancePortal is not a financial or tax adviser.