About NPS Calculator
Plan retirement with our NPS Calculator. Add monthly contribution, employer contribution, expected return, and years to retirement to estimate corpus, lump sum at 60, and indicative monthly pension (annuity).
NPS Corpus Estimation
Use these standard formulas for accurate estimates:
Corpus growth
Monthly SIP formula on combined employee + employer contributions
Annuity (indicative)
40% corpus mandatory annuity; pension ≈ Corpus × Annuity rate ÷ 12
Example Calculation
Example: ₹5,000/month + ₹5,000 employer for 25 years
| Component | Value |
|---|---|
| Monthly total | ₹10,000 |
| Estimated corpus @ 10% | ₹1.32 Cr |
| Lump sum (60%) | ₹79.4 L |
Benefits of Using This Calculator
Instant results with standard financial formulas
Clear charts and tables for better decisions
Mobile-friendly — works on any device
100% free — no signup or data stored on servers
Built for Indian investors and taxpayers
Compare scenarios side-by-side where applicable
Frequently Asked Questions
-
Tier I is the locked retirement account with tax benefits. Partial withdrawal is allowed under specific conditions before retirement.
-
Many employers contribute up to 10% of basic + DA under corporate NPS, which boosts retirement corpus.
-
At exit, up to 60% can be withdrawn lump sum; at least 40% must buy an annuity. Pension depends on annuity rates at that time.
-
No. NPS market-linked funds vary. Use assumed returns for planning only.
Explore All Calculators
Free finance tools for investing, loans, tax, and savings.