Retirement
NPS Calculator
Corpus, lump sum and the pension the annuity buys.
Your figures
Corpus at exit
₹2,62,83,134
- Lump sum available
- ₹1,57,69,880
- Used to buy an annuity
- ₹1,05,13,253
- Indicative monthly pension
- ₹52,566
- Total contributed
- ₹38,00,000
At exit
- Lump sum₹1.58 Cr
- Annuity₹1.05 Cr
How this is calculated
Corpus = SIP future value + existing corpus compounded. Pension = (corpus × annuity share × annuity rate) ÷ 12.
The National Pension System splits at exit: part of the corpus must buy an annuity, the rest can be withdrawn. Both halves are shown, along with the monthly pension the annuity portion would produce at an assumed rate.
Assumptions used
- NPS minimum annuitisation40%
- Assumed annuity rate6%
- Hybrid / balanced10%
- Annuity rates are quoted by insurers at the time of purchase and are not known in advance.
- Scheme rules, including the minimum annuitisation share, are statutory and change — they are configured in the admin panel, not hard-coded.
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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