NPS Calculator – Estimate Your Retirement Corpus and Monthly Pension
This NPS Calculator estimates your retirement corpus and projected monthly pension from the National Pension System. Enter your monthly NPS contribution, expected annual return, and current age to instantly see your projected corpus at age 60, the estimated lump sum you can withdraw, and the approximate monthly pension. Use it to plan your retirement income well before you stop working.
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What is an NPS Calculator?
An NPS Calculator is an online tool that estimates your retirement corpus and projected monthly pension from the National Pension System. Enter your monthly NPS contribution, expected annual return, and current age to see your total corpus at age 60, including the estimated lump sum withdrawal amount and monthly annuity payable upon retirement.
- 100% Free with zero hidden calculation fees
- Aligned with verified RBI & statutory tax models
- Instant amortization and compounded corpus outputs
- No login or personal financial information required
How to Use NPS Calculator
Streamline your personal financial planning with an easy, automated process — calculate, plan, and achieve your financial targets.
Enter your contribution and current age
Input your monthly NPS contribution amount, your current age, and your expected retirement age (typically 60 for NPS Tier 1 accounts). Both salaried and self-employed individuals can contribute to NPS. For salaried employees, the employer may also contribute under NPS, including only your own contribution unless the calculator has a separate field for employer contribution.
Select your expected annual return
NPS is a market-linked product, so returns depend on the asset allocation you choose, equity (E), corporate bonds (C), and government securities (G). Enter a realistic expected return based on your allocation. Aggressive investors with higher equity allocation may use 10%–12%, while conservative allocations may use 7%–9%. Returns are not guaranteed.
Review your corpus and pension estimate
The calculator shows your projected NPS corpus at age 60, the maximum lump sum you can withdraw tax-free (up to 60% of corpus), and the remaining 40% used to purchase an annuity, along with the estimated monthly pension this annuity generates based on current annuity rates.
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Frequently Asked Questions
Get clear answers about NPS Calculator calculations, interest components, and eligibility terms.