NPS Calculator
NPS corpus, lump sum and monthly pension at 60
Total corpus at 60₹2,27,93,253
Lump sum at 60₹1,36,75,952
Estimated monthly pension₹45,587
Total invested₹36,00,000
Annuity and withdrawal rules are revised from time to time. Check the latest PFRDA rules.
Growth over time
Year-wise breakdown
| Year | Invested amount | Est. returns | Total |
|---|
| 1 | ₹1,20,000 | ₹6,703 | ₹1,26,703 |
| 2 | ₹2,40,000 | ₹26,673 | ₹2,66,673 |
| 3 | ₹3,60,000 | ₹61,300 | ₹4,21,300 |
| 4 | ₹4,80,000 | ₹1,12,118 | ₹5,92,118 |
| 5 | ₹6,00,000 | ₹1,80,824 | ₹7,80,824 |
| 6 | ₹7,20,000 | ₹2,69,289 | ₹9,89,289 |
| 7 | ₹8,40,000 | ₹3,79,583 | ₹12,19,583 |
| 8 | ₹9,60,000 | ₹5,13,993 | ₹14,73,993 |
| 9 | ₹10,80,000 | ₹6,75,042 | ₹17,55,042 |
| 10 | ₹12,00,000 | ₹8,65,520 | ₹20,65,520 |
| 11 | ₹13,20,000 | ₹10,88,510 | ₹24,08,510 |
| 12 | ₹14,40,000 | ₹13,47,415 | ₹27,87,415 |
| 13 | ₹15,60,000 | ₹16,45,997 | ₹32,05,997 |
| 14 | ₹16,80,000 | ₹19,88,409 | ₹36,68,409 |
| 15 | ₹18,00,000 | ₹23,79,243 | ₹41,79,243 |
| 16 | ₹19,20,000 | ₹28,23,567 | ₹47,43,567 |
| 17 | ₹20,40,000 | ₹33,26,983 | ₹53,66,983 |
| 18 | ₹21,60,000 | ₹38,95,679 | ₹60,55,679 |
| 19 | ₹22,80,000 | ₹45,36,491 | ₹68,16,491 |
| 20 | ₹24,00,000 | ₹52,56,969 | ₹76,56,969 |
| 21 | ₹25,20,000 | ₹60,65,457 | ₹85,85,457 |
| 22 | ₹26,40,000 | ₹69,71,169 | ₹96,11,169 |
| 23 | ₹27,60,000 | ₹79,84,287 | ₹1,07,44,287 |
| 24 | ₹28,80,000 | ₹91,16,057 | ₹1,19,96,057 |
| 25 | ₹30,00,000 | ₹1,03,78,903 | ₹1,33,78,903 |
| 26 | ₹31,20,000 | ₹1,17,86,552 | ₹1,49,06,552 |
| 27 | ₹32,40,000 | ₹1,33,54,166 | ₹1,65,94,166 |
| 28 | ₹33,60,000 | ₹1,50,98,495 | ₹1,84,58,495 |
| 29 | ₹34,80,000 | ₹1,70,38,043 | ₹2,05,18,043 |
| 30 | ₹36,00,000 | ₹1,91,93,253 | ₹2,27,93,253 |
Results are estimates for illustration only and not financial advice. Actual returns vary.
About the NPS Calculator
The National Pension System (NPS) is a market-linked pension scheme. You invest until retirement, withdraw part of the corpus as a lump sum and use the rest to buy an annuity that pays a monthly pension.
Enter your monthly contribution, age, expected return and how much of the corpus goes to the annuity.
Formula used
Corpus = SIP future value until age 60. Lump sum = corpus × (1 − annuity %). Pension = corpus × annuity % × annuity rate ÷ 12.
Frequently asked questions
How much must go to the annuity?
The rules set a minimum share and have changed over time, so check the latest PFRDA rules.
Are NPS returns guaranteed?
No. They depend on your asset mix and the market.
Is the monthly pension taxable?
Annuity income is generally taxed as income. Check current rules.
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