NPS calculator
India: uses Indian rules and rupees
Monthly contributions, a return you expect, and how much goes into an annuity: see the corpus and your pension.
Runs entirely in your browser. Nothing you type is sent anywhere.
Corpus at retirement—
- You contribute
- —
- Lump sum you can take
- —
- Annuity purchase
- —
- Estimated monthly pension
- —
Returns depend on the funds you choose and are not guaranteed. Annuity rates are set by insurers when you buy, so the pension is an illustration. Government employees have different exit rules.
How to use the NPS calculator
Exit rules used, for non-government subscribers, as reported for the PFRDA amendment published on 16 December 2025: up to 80% of the corpus can be taken as a lump sum and at least 20% must buy an annuity. If the corpus is ₹8 lakh or less, all of it can be taken as a lump sum; between ₹8 lakh and ₹12 lakh, the lump sum is capped at ₹6 lakh. Contributions are invested at the start of each month and compound monthly.
- Enter your age and when you’ll retire.
- Enter your monthly contribution and any yearly raise.
- Enter an expected return (it depends on your equity and debt mix).
- Choose the share for the annuity (at least 20%) and an annuity rate to see the pension.
Sources
Sources checked on 9 October 2026. Formulas and thresholds are used as published; the wording on this page is our own.