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NPS Calculator

Estimate your National Pension System (NPS) corpus and monthly pension.

How this is calculated
Monthly SIP future value, split into lump sum (up to 60%) and annuity corpus (min. 40%), converted to pension at an assumed annuity rate

Assumptions used in this calculation

  • Minimum annuitization: PFRDA rules require at least 40% of the NPS corpus to be used to purchase an annuity at retirement.
  • Annuity rate: The monthly pension is an estimate based on your assumed annuity payout rate, not a specific provider's quote.

About this calculator

The NPS calculator projects your National Pension System corpus at retirement from monthly contributions and expected returns, then splits it into the tax-free lump-sum withdrawal and the portion mandatorily used to purchase an annuity, estimating the resulting monthly pension.

Worked example

₹5,000/month, 10% expected return, 20 years, 40% annuitized at 6%

Result: Corpus ≈ ₹38.3 lakh; estimated monthly pension ≈ ₹7,657

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