Explore the potential growth of your National Pension System savings using assumptions you control. Compare the future lump-sum balance with its purchasing power in today's rupees.
The National Pension System (NPS) is not a fixed-interest deposit. Use this calculator if you want to see a possible future investment corpus from monthly contributions, not a promised pension from the government.
The corpus is the illustrative total at retirement; the 'today's rupees' amount adjusts for rising prices. Neither is a guaranteed pension or the amount you can withdraw immediately.
Age 35, retire at 60: use ₹2,00,000 current NPS savings and ₹5,000 per month. Compare 0% and 7% assumed growth. Check the difference between total deposits and hypothetical gains.
Watch out for this mistake Do not treat the 4% monthly illustration as an actual NPS annuity quotation. NPS annuity and withdrawal requirements need a separate current-rules check.
More detailed explanations appear below the calculator ↓
4% illustration ÷ 12 (not an NPS pension quote): ₹16,669 · This is NOT an NPS annuity quote, a guaranteed monthly pension or withdrawal advice.
Enter your current NPS Tier I investment balance if you have one. This calculator models a retirement investment pot, not your government service or EPF pension entitlement.
Enter contributions actually deposited each month, including any employer contributions. If your investments change during the year, enter a representative constant monthly amount.
Set the expected growth rate and inflation yourself. NPS market-linked returns are variable and not assured. Run conservative as well as more optimistic scenarios.
Compare the future corpus with today's buying power. Do not treat a simple percentage of the corpus as your NPS annuity income; annuity allocation and withdrawal regulations require separate review.
Example: beginning at 35 with ₹2,00,000 saved and ₹5,000 monthly contributions until age 60. Enter your own assumptions about returns and inflation to see a corpus illustration—not a fixed pension payout.
No. The eventual monthly annuity can depend on withdrawal rules, annuity purchase amounts, provider quotes and available rates.
No. NPS investments are market-linked. This calculator treats one assumed annual growth rate as a scenario.
No. Tax eligibility and deduction amounts are separate from a corpus calculation.
For withdrawal rules and a genuine annuity quotation, check PFRDA and NPS Trust.
The National Pension System (NPS) is not a fixed-interest deposit. Use this calculator if you want to see a possible future investment corpus from monthly contributions, not a promised pension from the government.
An NPS corpus is the investment balance accumulated through contributions and market performance. A monthly pension from an annuity is a different calculation with provider-specific rates and applicable withdrawal regulations. There is no single guaranteed monthly pension simply because you know the corpus.
This calculator is a starting point for planning how much might build up, not an official PFRDA benefit statement. Your real NPS account record is the authority for its present balance.
Enter your age now, the age for the retirement illustration and the amount already recorded in NPS. Then enter only your expected monthly NPS deposits. Add employer contributions if they genuinely go into the same account; do not count them twice.
Try a zero-return baseline to understand the total from your own contributions. Then experiment with hypothetical higher or lower growth rates. Market-linked asset values can fluctuate, so even a return assumption that seems ordinary is not a guaranteed outcome.
A future ₹30 lakh corpus is not equal to having ₹30 lakh today if prices rise during the investment period. The inflation field converts the model's future corpus into an approximate current-price equivalent for budgeting.
This does not reduce the projected nominal corpus itself. It helps answer a different question: what level of spending power might this future balance represent? The assumption is uncertain just like investment growth.
The model leaves out current exit options, compulsory annuity proportions, taxation, fees and the effect of irregular contributions. These may depend on NPS category, account conditions and applicable rules when you retire.
For account-specific figures or a real monthly annuity quote, use NPS Trust, PFRDA information and an approved annuity service provider. Use this page only to compare saving scenarios.
Educational planning only. Verify relevant official records and lender or tax documents before making decisions.