Retirement Calculator

Project your NPS retirement corpus and monthly pension.

Estimate the corpus at retirement from a regular monthly NPS contribution, and the monthly pension that the annuity portion of the corpus would generate.

Inputs

Enter your assumptions

Current age30 years

18 years75 years

Retirement age60 years

40 years75 years

Monthly contribution

₹

Expected return9 % p.a.

4 % p.a.14 % p.a.

Annuity share at exit40 %

20 %100 %

Annuity rate (gross)6 % p.a.

4 % p.a.9 % p.a.

Computed output

Result

Years to retirement30 years

Projected corpus₹ 2.77 Cr

Lump-sum portion₹ 1.66 Cr

Annuity corpus₹ 1.11 Cr

Indicative monthly pension₹55,334

Assumptions

What this calculator assumes

·Contributions are made monthly, in advance, for the entire period until retirement age.
·Returns compound monthly at the blended annualised rate you enter.
·Real returns will vary year to year and asset class to asset class — the rate you enter is an average.
·The annuity share is the percentage of the corpus used to purchase a life annuity at retirement.
·The annuity rate is the gross annual payout from the chosen ASP, expressed as a percentage of the annuity corpus.
·Inflation, charges, fund management fees, and tax are not modelled.

This output is an estimate based on the assumptions you entered and the simplifications stated above. It is not a projection of any specific NPS account, fund, or product, and it is not personalised investment, tax, legal, or retirement advice. Verify current rules from official sources and consult qualified professionals before acting.