NPS Calculator
🔒 In your browserNational Pension System corpus and the monthly pension it buys.
How it works
Project your National Pension System (NPS) corpus and the pension it buys. Enter your monthly contribution, expected return, years to retirement, the share used to buy an annuity (minimum 40%) and the annuity rate.
At retirement at least 40% of the NPS corpus must buy an annuity (pension); the rest can be withdrawn. Returns and the annuity rate are assumptions — actual figures depend on the market and the annuity plan chosen.
🔒 Calculated entirely in your browser — nothing is uploaded.
🔒 Calculated in your browser: your loan, investment and salary figures are never uploaded. Interest, tax and salary structures vary by bank and employer, so treat the result as a close estimate and confirm exact figures with them.
About the NPS Calculator
This free NPS calculator projects your National Pension System corpus at retirement and the monthly pension it can buy. Enter your monthly contribution, expected return, years to retirement, the share used to buy an annuity and the annuity rate.
It runs in your browser, with no signup.
How NPS works
NPS is a market-linked retirement scheme. Your monthly contributions are invested and compound until retirement. At retirement you must use at least 40% of the corpus to buy an annuity, which pays you a regular pension, and you can withdraw the rest as a lump sum. The pension depends on how much of the corpus buys the annuity and the annuity rate offered at the time.
A worked example
Contribute ₹5,000 a month for 30 years at an assumed 10% return, and the corpus grows to roughly ₹1.14 crore. Using the minimum 40% (about ₹45.6 lakh) to buy an annuity at 6% gives a monthly pension of around ₹22,800, while the remaining 60% (about ₹68.4 lakh) can be withdrawn as a lump sum.
Frequently asked questions
How is the NPS pension calculated?
Your contributions compound to a retirement corpus; a chosen share (at least 40%) buys an annuity, and the pension is that annuity amount times the annuity rate, paid monthly. This tool shows all of it.
How much of NPS must buy an annuity?
At least 40% of the corpus at retirement must be used to buy an annuity that pays your pension. The remaining 60% can be withdrawn as a lump sum, often tax-free.
Are NPS returns guaranteed?
No. NPS is market-linked, so the corpus depends on how the invested funds perform. The annuity rate at retirement also varies, so treat the pension as an estimate.
What return should I assume for NPS?
NPS blends equity and debt; long-term returns have often been around 9–11%. Use a conservative figure and remember it isn't guaranteed.
Is my data private?
Yes — everything is calculated in your browser.