India · Finance
NPS Calculator
Estimate NPS retirement corpus, lump-sum withdrawal, annuity corpus, and an indicative monthly pension.
Interactive calculator
Project NPS retirement corpus
Estimate retirement corpus from monthly NPS contributions, expected growth, and the lump-sum versus annuity split you expect at exit.
Results
Retirement corpus
₹1,33,78,903
Lump-sum amount
₹80,27,342
Annuity share 40%
Annuity corpus
₹53,51,561
Estimated monthly pension
₹28,988
How to use it
- 01Enter the monthly contribution you expect to maintain.
- 02Set the expected annual growth assumption and years left to retirement.
- 03Choose the annuity share and annuity return assumption to estimate the pension side of the exit.
Result guide
- Retirement corpus is the projected total corpus before split at exit.
- Lump-sum amount shows the portion not moved into annuity.
- Estimated monthly pension is only a planning approximation based on the annuity assumptions entered.
About this calculator
NPS planning is fundamentally about the retirement corpus first and the lump-sum versus annuity split second. A useful calculator should show both parts together.
The monthly pension estimate is only indicative, but it helps people translate a large retirement corpus into a more concrete retirement-income expectation.
Frequently asked questions
Is the pension figure guaranteed?
No. It is an estimate based on the annuity share and annuity return assumptions you enter, not a guaranteed insurer quote.
Why show lump sum and annuity separately?
Because retirement planning decisions depend on how much can be withdrawn immediately and how much is retained for lifetime income.
Can I use this for Tier I retirement planning only?
Yes. That is the main intended use, especially when comparing long-term contribution scenarios and retirement timing.
Method and limitations
This calculator uses the formula and assumptions described on this page. We do not claim independent professional review. Direct references will be listed here when they support a specific rule or data source used by this calculator.
Results are estimates for general information. Verify current rules and assumptions before making financial, tax, or health decisions.
Read our Editorial and Verification Policy →Related calculators
Keep the next question one click away.
PPF Calculator
Project Public Provident Fund maturity value, yearly contributions, and total interest over the investment horizon.
SIP Calculator
Calculate mutual fund SIP returns and wealth growth in India. Get instant monthly compounding, profit & maturity projections with graphs on 1CalcHub.
Lump Sum Calculator
Estimate the future value of a one-time investment using an annual return assumption and holding period.