About this tool
Explore a retirement-corpus and pension illustration from the entered NPS contribution and return assumptions. Review the modelled lump-sum and annuity portions separately before discussing actual exit and annuity choices.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Monthly NPS Contribution (₹); Current Age (Years); Expected Annual Return During Accumulation (% p.a.).
- Review Total NPS Corpus at 60; Illustrative Lumpsum (60%); Annuity Corpus (40%) in the result breakdown.
Benefits
- Compare contribution and growth assumptions.
- Keep accumulated corpus and pension assumptions distinct.
Who should use this tool?
- People reviewing retirement contributions.
- NPS participants exploring a planning scenario.
How to use
- Complete the labelled fields for your scenario, including Monthly NPS Contribution (₹); Current Age (Years); Expected Annual Return During Accumulation (% p.a.). Use the units shown beside each field.
- Try the example labelled “₹10,000/mo from Age 30 to 60 (10% Growth, 40% Annuity @ 6.5%)” if you want to check the workflow first.
- Select Calculate / Run Tool and review Projected NPS Corpus & Monthly Pension at 60 and Total NPS Corpus at 60; Illustrative Lumpsum (60%).
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| ₹10,000/mo from Age 30 to 60 (10% Growth, 40% Annuity @ 6.5%) | Monthly NPS Contribution (₹): 10000Current Age (Years): 30Expected Annual Return During Accumulation (% p.a.): 10Illustrative Annuity Allocation at 60 (Check Eligibility) (%): 40Expected Annuity Pension Rate (% p.a.): 6.5 | Lumpsum: ₹1,36,75,952 + Pension: ₹49,385/mo |
| ₹15,000/mo from Age 35 to 60 (11% Growth, 50% Annuity @ 6.5%) | Monthly NPS Contribution (₹): 15000Current Age (Years): 35Expected Annual Return During Accumulation (% p.a.): 11Illustrative Annuity Allocation at 60 (Check Eligibility) (%): 50Expected Annuity Pension Rate (% p.a.): 6.5 | Lumpsum: ₹1,19,29,359 + Pension: ₹64,617/mo |
Reference and processing
PFRDA (Pension Fund Regulatory and Development Authority) NPS Rules · Listed applicability: Normal-exit guidance checked 2026-11-07; illustrative projection
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Is the monthly pension a quote from an annuity provider?
The pension estimate follows the annuity assumptions entered. Actual product terms, prevailing quotations, exit rules and personal circumstances require a separate review.
Which inputs do I need for NPS (National Pension System) Retirement Corpus & Monthly Pension Calculator?
Use Monthly NPS Contribution (₹); Current Age (Years); Expected Annual Return During Accumulation (% p.a.); Illustrative Annuity Allocation at 60 (Check Eligibility) (%), then complete the remaining fields for your scenario. The built-in examples show how those fields fit together.
What should I check before using this result?
Illustrative allocation, not an eligibility or tax ruling. NPS Trust guidance checked 2026-11-07: normal exit above ₹12 lakh requires at least 40% annuity for government and 20% for non-government subscribers; up to ₹8 lakh may be fully withdrawn, with special options for ₹8–12 lakh. Other joining-age and exit rules apply. Permitted withdrawal is not necessarily tax-exempt. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.