Tools / NPS Calculator
NPS Calculator
Estimate how much your National Pension System corpus could grow to by retirement.
Estimated corpus at retirement
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Total contributed
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Estimated growth
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NPS returns are market-linked and not guaranteed. At retirement, a portion of the corpus must be used to buy an annuity (minimum 40% as per current rules) — this calculator shows the total corpus only, not the post-annuity monthly pension.
Frequently asked questions
Does this include employer contributions?
No — this estimates growth from your own monthly contribution only. If your employer also contributes under Section 80CCD(2), add that amount to the monthly contribution field to include it.
Why does a portion have to go into an annuity?
NPS rules require at least 40% of the final corpus to be used to purchase an annuity plan, which then pays you a regular pension — only the remaining portion can be withdrawn as a lump sum.