What does an NPS calculator show?

An NPS calculator shows the retirement corpus you may build through monthly contributions, the lump sum you can withdraw, the amount used for annuity purchase, and an estimated monthly pension.

Why does annuity percentage matter in NPS?

At retirement, a part of the NPS corpus is typically used to buy an annuity. A higher annuity share usually means more pension income but a lower lump sum available immediately.

Should I still use a return assumption for NPS?

Yes. The return assumption helps estimate how the NPS corpus may grow before retirement. It should be kept realistic because small changes can materially alter the final corpus.

NPS Calculator

India-specific NPS planning for retirement corpus, lump sum access, annuity split, and pension income.

Current Age

Retirement Age

Monthly Contribution

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Expected Annual Return

Annuity Portion at Retirement

Explore Presets

Retirement Corpus
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Lump Sum Available

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Corpus available for direct withdrawal

Annuity Corpus

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Amount moved into pension annuity

Estimated Pension

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Approximate monthly pension at 6.5% annuity yield

This pension estimate uses a simple 6.5% annuity yield assumption to keep the number grounded and readable.

Reality Check

Actionable Suggestions

This calculator compounds your monthly NPS contribution until retirement, then splits the final corpus into a lump sum and an annuity portion. Monthly pension is estimated from the annuity corpus using a simple long-term annuity yield assumption.

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Corpus Growth to Retirement

NPS Corpus

What an NPS calculator helps you estimate

An NPS calculator shows how your monthly National Pension System contribution may grow until retirement, how much of that corpus may be available as a lump sum, and what part may move into annuity income. For Indian retirement planning, that makes it one of the clearest ways to connect monthly investing with eventual pension outcomes.

How to use this NPS calculator

Enter your current age, retirement age, monthly contribution, expected return, and the annuity split you want to test. The page then estimates your retirement corpus, annuity corpus, and pension-style monthly income. If you are comparing NPS with SIP-based retirement planning, this helps you see the pension trade-off more clearly.

Why the annuity split matters so much

The annuity choice changes the shape of retirement income. A higher annuity share usually gives you more regular pension-like cash flow but leaves less money available as a lump sum. A lower annuity share gives you more flexibility up front but less built-in monthly income later.

What makes NPS projections more useful

The most useful NPS projections usually come from steady contributions and realistic return assumptions. Small monthly increases can materially improve the final corpus because NPS often runs for decades, but overly optimistic growth numbers can make the expected pension look better than reality.