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Estimate your National Pension System corpus, lump sum withdrawal, annuity corpus, and monthly pension from contribution and return assumptions.
Tax year 2026 - Updated June 2026
Estimated NPS corpus at retirement
₹2,26,04,879
Based on ₹10,000 monthly equivalent contribution for 30 years at 10% expected annual return.
Lump sum withdrawal
₹1,35,62,928
Annuity corpus
₹90,41,952
Estimated monthly pension
₹45,210
Estimated returns
₹1,90,04,879
Total future contribution
₹36,00,000
Years to retirement
30
Exit split used
60% / 40%
Unallocated corpus
₹0
Year-by-year estimate of future contributions versus projected NPS corpus.
| Year | Age | Contribution | Corpus |
|---|---|---|---|
| Year 26 | 56 | ₹1,20,000 | ₹1,47,83,358 |
| Year 27 | 57 | ₹1,20,000 | ₹1,64,57,024 |
| Year 28 | 58 | ₹1,20,000 | ₹1,83,05,945 |
| Year 29 | 59 | ₹1,20,000 | ₹2,03,48,473 |
| Year 30 | 60 | ₹1,20,000 | ₹2,26,04,879 |
Quick answers
How does the NPS Calculator estimate pension?
It estimates retirement corpus from contributions and expected return, then applies the selected annuity percentage and annuity rate to estimate monthly pension.
Is NPS return guaranteed?
No. NPS corpus growth is market-linked and depends on asset allocation and fund performance. Annuity rates can also change.
What is NPS lump sum withdrawal?
At retirement, part of the NPS corpus may be withdrawn as lump sum and part is usually used to buy annuity, based on applicable NPS rules.
Does the NPS Calculator include tax?
No. It does not calculate personal income tax, tax benefit, annuity tax treatment, charges, or rule changes.
Can I compare NPS with PPF and FD?
Yes. Use the PPF vs NPS vs FD Calculator to compare estimated corpus, gains, liquidity notes, and possible NPS pension side by side.
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The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.