Worked example
Project monthly contributions to retirement, then review the illustrative lump-sum, annuity allocation, and monthly pension.
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Pension planning tool
NPS Calculator
Project NPS retirement corpus, lump sum, annuity allocation, and estimated pension.
Calculation result
Detailed estimate
Enter your details to see the estimate.
Frequently asked questions
What is NPS?
Returns and annuity rates are not guaranteed. Exit, lump-sum and annuity requirements depend on current PFRDA rules and subscriber circumstances.
Is this result guaranteed?
No. This is an educational estimate based on the values entered. Verify current product, tax, employment, or pension rules before making decisions.
Can I change the assumptions?
Yes. Every rate and time assumption shown in the form can be adjusted to compare scenarios.
Practical guidance
Use the NPS Calculator with confidence
Project NPS corpus, lump sum, and pension. Review the example and limitations below before using the result for an important decision.
Assumptions and limits
Rates and growth are assumed to remain constant. Actual returns, lender schedules, fees, taxes, rounding, and product rules can change the outcome.
How to read the result
Calculations run from the values you enter using the formula described on this page. Inputs are processed in your browser and results are rounded for display.
Calculation methodology
Read our calculation methodology Educational estimate only. Verify regulated financial, tax, employment, or legal decisions with an official source or qualified professional.