Your Contributions
₹18,00,000
Interest Earned
₹95,96,627
AI Result Summary
AI ActiveCorpus split matters as much as the final total
Contributing ₹5,000 per month until age 60 at 10% annual return projects a total NPS corpus of ₹1,13,96,627.
Key takeaway
With 40% allocated to annuity, the model estimates a lump sum of ₹68,37,976 and a monthly pension near ₹22,793.
Lump Sum (tax-free)
₹68,37,976
60% of corpus
Annuity Investment
₹45,58,651
40% of corpus
Est. Monthly Pension
₹22,793
@6% annuity rate
What is NPS?
The National Pension System (NPS) is a government-backed retirement scheme. You contribute monthly till age 60, then receive a lump sum (tax-free up to 60% of corpus) and must use the remaining to purchase an annuity for monthly pension.
How to use this NPS Calculator
- Enter realistic values based on your current plan or trade setup.
- Review the output metrics, not just the headline number.
- Run multiple scenarios to compare best/base/worst cases.
Practical tips
- Track current NPS allocation and adjust equity exposure over time.
- Compare annuity rates before final retirement conversion.
- Use expected return assumptions conservatively for long tenures.
Model assumptions
- Corpus grows at an assumed average annual return.
- Annuity payout is estimated with a fixed conversion rate.
- Tax rules can change and may impact actual outcomes.
This calculator is for educational purposes only. Actual NPS returns depend on fund manager performance and market conditions.