NPS Calculator India – Retirement Corpus & Monthly Pension
Use this NPS (National Pension System) calculator to estimate your retirement corpus, illustrative lump sum, annuity corpus and monthly pension using your own contribution and return assumptions.
Estimate your NPS retirement corpus
Enter your assumptions, then select Calculate.
Projected NPS corpus—
Future contributions—
Estimated investment growth—
Illustrative lump sum—
Illustrative annuity corpus—
Annuity allocation—
Illustrative monthly pension—
Investment return and annuity rate are assumptions, not guaranteed rates. The entered annual investment return is converted to its equivalent monthly rate. Monthly contributions are modeled at the beginning of each month, consistent with the annuity-due convention commonly used in published NPS calculator formulas. Monthly pension is a simple annuity-rate illustration and is not an insurer quote.
Assumptions and limitations
PFRDA's 2026 exit rules contain corpus- and category-specific alternatives, including 80% lump-sum / 20% annuity cases and certain full-withdrawal options. The allocation is therefore editable rather than presented as universally mandatory.
Method and source references
Rule reference: Pension Fund Regulatory and Development Authority (PFRDA) Exits and Withdrawals regulations/FAQs, 2026. Projection methodology independently tested by MoneyInNumbers.
Frequently asked questions
What does an NPS calculator estimate?
It estimates the future value of NPS contributions and can split the projected corpus between an illustrative lump sum and annuity.
Is the monthly NPS pension guaranteed?
No. The pension shown is an illustration based on the annuity-rate assumption entered and is not an insurer quote.
Can I change the NPS lump-sum percentage?
Yes. The allocation is editable because applicable NPS exit rules can vary by subscriber category, corpus and exit circumstances.