Project retirement contributions and an illustrative NPS corpus in nominal and real terms. Change every input and see the estimate update immediately.
Your estimate
₹2,17,13,211
Illustrative NPS corpus
Total contributions
₹36,00,000
Permitted illustrative lump sum
₹1,73,70,569
Minimum annuity allocation used
₹43,42,642
Illustrative monthly annuity
₹21,713
Today's purchasing power
₹37,80,490
NPS returns and annuity income are market-linked estimates, not guarantees.
Normal-exit allocation rules are applied, including the current small-corpus bands.
Educational estimate only. Methodology 2026.08. This is not a return promise, loan offer, tax filing or financial recommendation.
Understanding the calculator
NPS Calculator turns the assumptions shown above into an educational estimate. It exposes the inputs, method and limitations instead of presenting an unexplained answer.
Project retirement contributions and an illustrative NPS corpus in nominal and real terms. The result updates locally as an input changes, making it useful for scenario comparison rather than prediction.
Methodology
Worked example. Use the default NPS scenario as a starting point, then adjust each field to match your own assumptions.
Rule basis
Effective 2026-04-01. Reviewed 2026-08-10.
Review again after 2027-03-31.
Policy-linked estimates can become stale. Confirm current eligibility, rates, limits and filing treatment before acting.
The permitted lump sum and minimum annuity allocation depend on the exit type, vesting period and corpus under the current PFRDA exit rules.
No. Both NPS investment returns and the annuity rate used to illustrate pension are assumptions, not guarantees.
It is an educational tool that applies the disclosed NPS projection method to the assumptions you enter.
No. Results are estimates, not forecasts, approvals, quotations or guarantees.
Testing conservative and optimistic inputs exposes uncertainty instead of hiding it behind one number.
Only when a tax or fee is shown as an explicit input or result. Otherwise it is excluded.
The mathematics follows the stated methodology, while real outcomes depend on rates, timing, rules, fees and circumstances.
No. Use it for education and scenario comparison, then verify decisions with official documents or a qualified professional.
Inflation translates a future amount into approximate present-day purchasing power. The default 6% is editable and is not a forecast.
Recalculate when rates, income, contributions, rules, goals or repayment terms change.
Yes. Institutions may use different compounding dates, rounding, charges and eligibility rules.
No. Calculations run locally in your browser and the input values are not sent to a calculation server.
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