Run a conservative scenario before relying on the headline result.
National Pension System Calculator
Project NPS corpus, lump sum and indicative annuity income. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Projected value₹1.83 CrUpdates instantly as you edit
Total invested / base₹33.60 L
Growth / cost₹1.49 Cr
Indicative monthly pension₹36,612
Projection journeyHover to inspect a year
This is an educational projection based on the assumptions entered above.
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Five smart nudges
Use the result with context.
Review the assumptions after any major change in income, rates or goals.
Keep emergency money separate from long-term investments.
Account for taxes, charges and inflation when comparing options.
Use this estimate to ask better questions, not as a return promise.
Understanding NPS in India
Editorially reviewed 12 July 2026 · Rules and assumptions can change
NPS accumulation is market-linked
NPS contributions buy units across chosen asset classes and pension-fund managers. The calculator applies one blended return until age 60, but actual equity, corporate debt, government securities and alternative allocations earn different and uneven returns. Active and Auto Choice change allocation over time.
At ₹10,000 monthly from age 32 to 60, total contributions are ₹33.6 lakh. A 10% smooth assumption produces a much larger corpus, but costs, allocation changes and market sequence make the realised value different. Review the transaction statement and asset allocation rather than a single return number.
Exit is not simply the displayed corpus
Under the general normal-exit framework, a portion may be taken as lump sum and a minimum portion used to purchase an annuity, subject to current rules and small-corpus exceptions. Premature exit and partial withdrawals have separate conditions. The calculator separates the selected annuity share; it does not quote an annuity product.
Annuity income depends on age, option, spouse benefit, return-of-purchase-price choice and provider rates. A higher pension option can reduce legacy value or survivor benefits. Obtain live regulated quotes near exit.
Tax and account choices
NPS contribution deductions differ between individual and employer contributions, tax regimes and statutory provisions. Exit lump sum and annuity purchase may receive specified treatment, while annuity income is generally taxable when received. Verify the relevant year and employment structure.
Tier I is the retirement account with withdrawal restrictions; Tier II has different access and tax context. Do not combine balances without identifying the account type.
NPS planning checklist
Confirm PRAN, nominee, asset choice, pension-fund manager, contribution path, charges, retirement age and expected income from EPF or other assets. Stress return and annuity rate separately.
Review allocation annually, reduce inappropriate concentration near retirement and study exit forms well before the date. The corpus is one retirement component, not a complete income plan.
Official sources used for this guide
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
NPS calculator FAQs
Is the NPS return guaranteed?
No. Returns depend on chosen market-linked assets and pension-fund performance.
Can the full corpus always be withdrawn at 60?
Exit rules can require annuity purchase, subject to current thresholds and exceptions.
Is annuity income tax-free?
Annuity receipts are generally taxable as income; verify current law and personal circumstances.
What sets the pension amount?
Annuity purchase amount, age, provider rate and option such as spouse benefit or return of purchase price.
Are Tier I and Tier II the same?
No. They have different withdrawal and tax characteristics.