NPS Calculator
Estimate how much the National Pension System could give you at retirement, including the lump sum and the monthly pension from the annuity.
- Free
- No signup
- Private: runs in your browser
- Works on mobile
Results are estimates for information only and are not financial, tax or legal advice. Rates and rules change, so confirm with the official source or a qualified professional.
NPS Calculator tool
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Example
With the default values shown in the tool, the results look like this:
- Total corpus at retirement
- ₹2,27,93,253
- Lump sum you can withdraw
- ₹1,36,75,952
- Annuity purchase amount
- ₹91,17,301
- Estimated monthly pension
- ₹45,587
- Total invested
- ₹36,00,000
How to use NPS Calculator
- Enter your values in the fields above.
- The result updates instantly as you type or change an option.
- Copy the result or note it down. Nothing is saved on our servers.
Why use DocConvertPRO?
- Free to use with no signup or watermark.
- Everything runs in your browser. Your input is not uploaded.
- Works on phones, tablets and computers.
- Made for Indian users: rupees, lakh/crore formats and local use cases.
About this tool
The corpus is the future value of monthly contributions at your assumed return. At least 40% of it is used to buy an annuity; the rest can be withdrawn as a lump sum under current rules.
Frequently asked questions
What return can I assume?
NPS returns vary with the fund choice. Use a conservative figure for planning.
Is NPS tax-saving?
Contributions may qualify for deductions under the Income Tax Act. Check current rules.
What is the annuity rate?
It depends on the annuity provider you choose at retirement.