Calculator
NPS Calculator
Project your National Pension System corpus and estimated monthly pension — every return and annuity assumption is yours to edit.
Projected corpus at 60: ₹2,18,39,771, estimated pension ₹47,320/month.
Asset allocation
Government Securities (G): 20% (remainder)
Expected returns (editable assumptions, not sourced rates)
Corpus at Retirement
₹2,18,39,771
Estimated Monthly Pension
₹47,320
Lump Sum Withdrawal
₹1,31,03,862
Annuity corpus: ₹87,35,908
Blended return
9.8%
- Equity
- Corporate Bonds
- Govt Securities
At least 40% of your NPS corpus must be used to purchase an annuity at retirement (PFRDA rule). The remaining up to 60% can be withdrawn as a tax-free lump sum.
NPS returns are market-linked — they depend on which pension fund manager and asset allocation you choose, and markets vary year to year. There's no single 'current NPS rate' the way PPF has a government-fixed rate, so this calculator lets you set your own assumptions.
By applying your assumed annuity payout rate to the portion of your corpus used to buy the annuity. Actual annuity rates are quoted by insurers at the time you retire and vary by provider and annuity type — this is a planning estimate, not a quote.
Why NPS assumptions are editable, not fixed
Unlike PPF or Sukanya Samriddhi, NPS returns are market-linked — they depend on your chosen asset allocation across Equity (E), Corporate Bonds (C), and Government Securities (G), and on actual market performance over your working years. There is no single official "current NPS rate" to source, so this calculator starts you with commonly-cited planning assumptions and lets you adjust every one.
Disclaimer: All return and annuity-rate figures here are editable planning assumptions, not guarantees or quotes. Actual NPS returns depend on your fund manager and market performance; actual annuity rates are quoted by insurers at the time you purchase an annuity.
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