Finance calculator
IndiaNPS Calculator
Project National Pension System corpus, lump-sum withdrawal, annuity corpus, and monthly pension estimate.
Formula
NPS corpus and annuity estimate
NPS returns and annuity payouts are not guaranteed. Actual results depend on fund performance, charges, withdrawal rules, and annuity provider pricing.
Projected corpus grows monthly contributions, then splits final corpus into lump sum and annuity portions
If the annuity share is 40%, the calculator puts 40% of the projected corpus into annuity and estimates monthly pension from the annuity rate.
Sources and assumptions
India NPS source notes
This profile covers a simplified National Pension System projection with a user-entered return rate, contribution amount, annuity share, and annuity rate.
- Effective year
- 2026
- Last verified
- 2026-05-28
NPS returns and annuity payouts are not guaranteed. Actual results depend on fund performance, charges, withdrawal rules, and annuity provider pricing.
Official and reference sources
Assumptions
- Monthly contributions are assumed to happen at the start of each month.
- The entered annual return rate is treated as a constant projection rate.
- The annuity share is applied to the final corpus, and pension is estimated from the entered annuity rate.
- The remaining corpus is shown as a lump-sum estimate.
Not included
- Actual pension fund performance, asset allocation changes, charges, tax treatment, and withdrawal rule eligibility checks.
- Annuity provider pricing, spouse options, return-of-purchase-price plans, GST, and life expectancy assumptions.
- Tier II accounts, employer contributions, partial withdrawals, and premature-exit edge cases.
FAQs
Does this guarantee NPS returns?+
No. It projects the outcome from the return rate you enter.
How is monthly pension estimated?+
The annuity corpus is multiplied by the entered annuity rate and divided by 12.
How does the NPS Calculator calculate the result?+
It uses the NPS corpus and annuity estimate: Projected corpus grows monthly contributions, then splits final corpus into lump sum and annuity portions. If the annuity share is 40%, the calculator puts 40% of the projected corpus into annuity and estimates monthly pension from the annuity rate.
What information do I need to use the NPS Calculator?+
Project National Pension System corpus, lump-sum withdrawal, annuity corpus, and monthly pension estimate.
How accurate is the NPS Calculator?+
NPS Calculator applies the formula and assumptions shown on this page. Results may be rounded for readability, so verify changing rates, thresholds, medical guidance, or legal rules with the cited source or a qualified professional.
What should I check before using the NPS Calculator result?+
Check that the units, dates, rates, and assumptions match your situation. Change one input at a time to understand which values have the largest effect on the result.
Finance guide
How to use the NPS Calculator
Project National Pension System corpus, lump-sum withdrawal, annuity corpus, and monthly pension estimate. The page also explains the NPS corpus and annuity estimate and shows a practical example: If the annuity share is 40%, the calculator puts 40% of the projected corpus into annuity and estimates monthly pension from the annuity rate.
- 1
Enter your details
Enter the values for the nps calculator scenario you want to check.
- 2
Check the calculation
Review the result alongside the NPS corpus and annuity estimate: Projected corpus grows monthly contributions, then splits final corpus into lump sum and annuity portions.
- 3
Compare scenarios
Change one or more inputs to see how they affect the NPS Calculator result before you use the estimate.
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