NPS calculator
National Pension System corpus, lumpsum and pension under current exit rules.
Your inputs
Market linked: about 9–11% a year for a mix with 50–75% equity.
Advanced settings
Capped by the exit rules; 100% means the maximum allowed.
Subscriber type
Results
Generated on 11 Oct 2026
Your inputs
| Your current age | 30 yrs |
|---|---|
| Exit age | 60 yrs |
| Monthly contribution | ₹5,000 |
| Yearly step-up | 5% |
| Expected return (per year) | 10% |
| Current NPS balance | ₹0 |
| Annuity rate (per year) | 6% |
| Lump sum to take | 100% |
| Subscriber type | All citizens / corporate |
Corpus at age 60
₹1,65,93,814
- Estimated monthly pension
- ₹16,594
- Lump sum at exit
- ₹1,32,75,051
- Used to buy annuity
- ₹33,18,763
- Amount invested
- ₹39,86,331
- Estimated gains
- ₹1,26,07,483
- Lump sum at exit₹1,32,75,051(80%)
- Used to buy annuity₹33,18,763(20%)
See how a different amount, return or period changes the result, side by side.
Year-by-year breakdown
| Age | Invested in year | Balance |
|---|---|---|
| 31 | ₹60,000 | ₹63,203 |
| 32 | ₹63,000 | ₹1,35,886 |
| 33 | ₹66,150 | ₹2,19,155 |
| 34 | ₹69,458 | ₹3,14,236 |
| 35 | ₹72,930 | ₹4,22,483 |
| 36 | ₹76,577 | ₹5,45,395 |
| 37 | ₹80,406 | ₹6,84,633 |
| 38 | ₹84,426 | ₹8,42,028 |
| 39 | ₹88,647 | ₹10,19,610 |
| 40 | ₹93,080 | ₹12,19,619 |
| 41 | ₹97,734 | ₹14,44,532 |
| 42 | ₹1,02,620 | ₹16,97,083 |
| 43 | ₹1,07,751 | ₹19,80,294 |
| 44 | ₹1,13,139 | ₹22,97,502 |
| 45 | ₹1,18,796 | ₹26,52,389 |
| 46 | ₹1,24,736 | ₹30,49,022 |
| 47 | ₹1,30,972 | ₹34,91,888 |
| 48 | ₹1,37,521 | ₹39,85,938 |
| 49 | ₹1,44,397 | ₹45,36,637 |
| 50 | ₹1,51,617 | ₹51,50,010 |
| 51 | ₹1,59,198 | ₹58,32,707 |
| 52 | ₹1,67,158 | ₹65,92,058 |
| 53 | ₹1,75,516 | ₹74,36,148 |
| 54 | ₹1,84,291 | ₹83,73,891 |
| 55 | ₹1,93,506 | ₹94,15,115 |
| 56 | ₹2,03,181 | ₹1,05,70,654 |
| 57 | ₹2,13,340 | ₹1,18,52,447 |
| 58 | ₹2,24,007 | ₹1,32,73,656 |
| 59 | ₹2,35,208 | ₹1,48,48,784 |
| 60 | ₹2,46,968 | ₹1,65,93,814 |
Assumptions and method
Formula
- Corpus: monthly SIP simulation at the expected return (effective rate, start of month)
- Monthly pension = annuity corpus × annuity rate / 12
Modelling notes
- Corpus above ₹12 lakh: up to 80% lump sum, at least 20% annuitised.
- NPS returns are market linked; the expected return is an assumption, not a declared rate.
- Pension = annuity corpus × 6.0% / 12.
- First-year contribution ₹5000 a month.
Not included
- Market ups and downs: the same return is assumed every month.
- Expense ratio, exit load and stamp duty, unless your expected return already allows for them.
- Tax on the pension (annuity income is taxed at your slab rate).
Rates for Q3 FY2026-27 (1 Oct 2026 to 31 Dec 2026). Government revises small-savings rates every quarter.
This is an illustration based on the return you entered. Actual returns vary and may be lower or negative.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How it works
The National Pension System (NPS) invests your contributions in market-linked funds until you exit, usually at 60. At exit, part of the corpus can be taken as a lump sum and the rest buys an annuity (pension).
The exit rules (2025 PFRDA amendments) depend on the corpus size and whether you are a government subscriber; the calculator applies them and estimates the monthly pension at an assumed annuity rate.
Frequently asked questions
Is the NPS return fixed?
No. NPS is market linked; the expected return is an assumption. Equity allocation and fund manager performance affect the outcome.
How much can I withdraw at exit?
For non-government subscribers: the full corpus if it is ₹8 lakh or less, up to ₹6 lakh if it is ₹8–12 lakh, and up to 80% above ₹12 lakh. Government subscribers: up to 60%.