NPS Calculator India

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

NPS inputs

Current age

years

Retirement age

years

Contribution amount

INR

Contribution frequency

Current NPS corpus

INR

Expected annual return

Expected annuity rate

Lump sum withdrawal

Annuity purchase

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

Exit split used

60% / 40%

Unallocated corpus

₹0

NPS growth chart

Year-by-year estimate of future contributions versus projected NPS corpus.

Projected corpusFuture contributionsFinal: ₹2,26,04,879

Last 5 years projection

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

Formula used

Monthly equivalent contribution = yearly contribution / 12 when yearly mode is selected.
Each month, corpus grows by expected annual return / 12 and then the monthly equivalent contribution is added.
Retirement corpus = current NPS corpus grown to retirement + future contributions and estimated returns.
Lump sum withdrawal = retirement corpus x lump sum withdrawal percentage.
Annuity corpus = retirement corpus x annuity purchase percentage.
Estimated monthly pension = annuity corpus x annuity rate / 12.
NPS returns, annuity rates, exit rules, tax treatment, and product charges can change; this is a simplified planning estimate.

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Assumptions

Designed for India-style NPS retirement planning estimates.
Corpus growth assumes a fixed expected annual return until retirement.
Monthly pension is estimated from annuity corpus and entered annuity rate.
NPS returns, annuity rates, exit rules, tax treatment, and product charges can change.

Disclaimer

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.

Year

Age

Contribution

Corpus

Year 26

₹1,20,000

₹1,47,83,358

Year 27

₹1,20,000

₹1,64,57,024

Year 28

₹1,20,000

₹1,83,05,945

Year 29

₹1,20,000

₹2,03,48,473

Year 30

₹1,20,000

₹2,26,04,879

Formula used

Monthly equivalent contribution = yearly contribution / 12 when yearly mode is selected.

Each month, corpus grows by expected annual return / 12 and then the monthly equivalent contribution is added.

Retirement corpus = current NPS corpus grown to retirement + future contributions and estimated returns.

Lump sum withdrawal = retirement corpus x lump sum withdrawal percentage.

Annuity corpus = retirement corpus x annuity purchase percentage.

Estimated monthly pension = annuity corpus x annuity rate / 12.

NPS returns, annuity rates, exit rules, tax treatment, and product charges can change; this is a simplified planning estimate.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.