NPS Calculator India
Project a National Pension System corpus from monthly contributions, an assumed return and retirement period, then estimate an annuity-based monthly pension.
About the NPS Calculator India
Project how monthly NPS contributions could grow over time and illustrate how a portion of the corpus could translate into an annuity-based pension.
How to use this calculator
- Enter monthly contribution and investment period.
- Enter an assumed annual return.
- Choose an illustrative annuity share and annuity rate.
- Review projected corpus and pension illustration.
How the calculation works
The calculator compounds monthly contributions at the assumed return. It then separates the selected annuity percentage and estimates monthly pension using the assumed annuity rate.
Example
A ₹5,000 monthly contribution for 25 years can be projected using an assumed return such as 10%; changing the return or period materially changes the illustration.
Things to keep in mind
- NPS returns are market-linked.
- Annuity rates are not the same as the investment return.
- Withdrawal and tax rules depend on the applicable rules at retirement.
- Treat the result as a projection, not a guaranteed pension.
Frequently asked questions
Is NPS return guaranteed?
No. NPS investments are market-linked and returns can vary.
What is an annuity?
An annuity uses a corpus to purchase a stream of pension payments according to the annuity product's terms.
Can I change the assumed return?
Yes. Use a conservative and an optimistic assumption to compare scenarios.