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NPS Calculator
See what the National Pension System could build for your retirement. Enter your monthly contribution, ages and an expected return, then press Calculate to see your corpus, lump sum and monthly pension.
Written by TopicDrill Editorial Team·Updated June 2026
Corpus growth by age
Corpus Invested
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How the NPS calculator works
The National Pension System is a long-horizon retirement scheme where you contribute a fixed amount each month and the fund managers invest it across equity and debt. This tool compounds every contribution at the return you expect, so you can watch a modest monthly outflow grow into a sizeable corpus by the time you reach 60.
The chart plots two lines. The shaded area is your growing corpus, and the dashed line is the money you actually paid in. The widening gap between them is the compounding effect of your returns, which does most of the heavy lifting in the final decade before retirement.
A quick example
Put aside 5,000 rupees a month from age 30 to 60 at an assumed 10 percent return, and the corpus lands near 1.1 crore. Keep 40 percent in an annuity earning 6 percent and you draw roughly 22,000 rupees a month as pension, while still taking about 67 lakh as a tax-free lump sum. Raising the contribution or starting a few years earlier changes the picture dramatically.
Things to keep in mind
The numbers here are projections, not promises, because NPS returns track the markets and annuity rates move over time. For scheme rules and tax details, check the official NPS Trust portal. To compare a simple monthly investing plan instead, try our future value calculator.
Frequently asked questions
How is the NPS corpus calculated?
Each monthly contribution is added to your account and the whole balance grows at the expected annual return, compounded month by month until you retire. The corpus at retirement is the sum of every contribution plus all the returns those contributions earned along the way.
How much of the NPS corpus can I withdraw as a lump sum?
Under current rules you must use at least 40 percent of the corpus to buy an annuity, so up to 60 percent can be taken as a lump sum at age 60. This tool lets you set the annuity share, and the remainder becomes your withdrawable lump sum.
How is the monthly pension worked out?
The portion of the corpus set aside for the annuity is multiplied by the annuity rate to give a yearly payout, which is then divided by twelve for the monthly pension. The actual amount depends on the annuity plan and provider you choose at retirement.
Are the NPS returns guaranteed?
No. NPS invests in a mix of equity, corporate bonds and government securities, so the return shown here is only an assumption. Equity-heavy allocations may earn more over long horizons but swing more year to year, so treat the projected corpus as a planning estimate.
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